How do companies know when to soft pull?

[Duncanrr]

If you haven't opted out, how do cc companies know to start soft pull you to see if you pre-qualify for offers?

[pizzadude]

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@Duncanrr wrote:
If you haven't opted out, how do cc companies know to start soft pull you to see if you pre-qualify for offers?

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CCs come up with certain demographic and/or credit criteria and the CRAs sell them a list of names & addresses.   For example....people under 30 who live in the zipcode 90210, etc.....

[webhopper]

They buy a block of consumer info from the cras or from other 3rd party partners....

And then they probably batch soft everyone in that data set and issue offers to the ones they have.concluded will fit their.target.demographic.

[cashnocredit]

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@webhopper wrote:

They buy a block of consumer info from the cras or from other 3rd party partners....

And then they probably batch soft everyone in that data set and issue offers to the ones they have.concluded will fit their.target.demographic.

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They buy only the list of consumers that meets criteria they specify. The CRAs run the screen. I think I read somewhere that these offers have to be more likely to get approved than not though that certainly hasn't been my personal experience.

[webhopper]

I got a preselected offer for chase sw rewards visa. At that time I flew southwest airlines at least once a week. I also had chase checking and money market accounts. I applied; decline. Have been opted out ever since. Pre screened offers that seem legit can be very cruel and unusual.

[john398]

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@webhopper wrote:
I got a preselected offer for chase sw rewards visa. At that time I flew southwest airlines at least once a week. I also had chase checking and money market accounts. I applied; decline. Have been opted out ever since. Pre screened offers that seem legit can be very cruel and unusual.

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Chase is pretty good with recon, especially if you have checking with them, you probably would have gotten the card but with a low $500 limit, do you try to recon?