If you have opted out would that be the reason you can't pre-app on sites?

[Anonymous]

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Brammy wrote:

now that my few brain cells have refreshed it is quite possible it could block you from offers.  Wen you opt out, your file is blocked to PRM inqs whic is what is needed to offer any pre-approved apps.....lol!!!!  Sorry

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What is a PRM inq? Thanks in advance. So, you do think that is why I wouldn't even be offered back the secured card?

Again, am NOT going to app. Just was musing/wondering.

[Anonymous]

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netpanther wrote:

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Brammy wrote:

now that my few brain cells have refreshed it is quite possible it could block you from offers.  Wen you opt out, your file is blocked to PRM inqs whic is what is needed to offer any pre-approved apps.....lol!!!!  Sorry

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What is a PRM inq? Thanks in advance. So, you do think that is why I wouldn't even be offered back the secured card?

Again, am NOT going to app. Just was musing/wondering.

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To get a pre-app offer a creditor must run a PRM or promotional inquiry (soft).  Unfortunately this is the very thing you opt out of when you opt out.

[Anonymous]

Ok, so I am not going crazy thinking something is def. wrong cuz they didn't even offer me the secured back on BofA.

[Anonymous]

Nah but after a 60 hr work week last week I was.

[Anonymous]

you have to be opted in

[Anonymous]

Kewlness. Trust me- thought something was REALLY WRONG when I did that soft pre app- again was not going to go thru w/ it- but I was like- why didn't they offer secured back?

Phew. Feel better.

[haulingthescoreup]

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@Anonymous wrote:

Kewlness. Trust me- thought something was REALLY WRONG when I did that soft pre app- again was not going to go thru w/ it- but I was like- why didn't they offer secured back?

Phew. Feel better.

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It was quite a blow to my ego, until I put two and two together!

[haulingthescoreup]

For anyone who hasn't seen what a soft inq looks like, here's a PRM plus an AR (account review) from my full EQ report (dang, I wish we could tab):

Company Information - - - - - - - - - - - - - - - - - - -Date of Inquiry
AR-FIRST TENNESSEE BANK - - - - - - - - - - - -08/16/2007
PRM-AMERICAN EXPRESS/CENTURION BK -01/05/2007

Silly AmEx softed me last January and actually approved me for a Gold. I found the unopened envelope when I was shoveling out my office last month. This probably arrived about the day that I got my 30-day from Sears/ Citi, so oh well.

The fun thing on the AR soft is that it is on a closed account, and they do NOT have PP (permissible purpose) to inq a closed account, soft or hard, with an AR prefix. I have lates on that puppy too, and I'm working on that one, mmm-bwah-ha-ha. (Don't even care about the $1000 penalty; I want the lates OFF.)

[Anonymous]

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haulingthescoreup wrote:
For anyone who hasn't seen what a soft inq looks like, here's a PRM plus an AR (account review) from my full EQ report (dang, I wish we could tab):

Company Information - - - - - - - - - - - - - - - - - - -Date of Inquiry
AR-FIRST TENNESSEE BANK - - - - - - - - - - - -08/16/2007
PRM-AMERICAN EXPRESS/CENTURION BK -01/05/2007

Silly AmEx softed me last January and actually approved me for a Gold. I found the unopened envelope when I was shoveling out my office last month. This probably arrived about the day that I got my 30-day from Sears/ Citi, so oh well.

The fun thing on the AR soft is that it is on a closed account, and they do NOT have PP (permissible purpose) to inq a closed account, soft or hard, with an AR prefix. I have lates on that puppy too, and I'm working on that one, mmm-bwah-ha-ha. (Don't even care about the $1000 penalty; I want the lates OFF.)

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This was pulled straight from EQ right? Cuz I need to go back over my reports cuz I dont' remember ever seeing an inq w/ a code...holy smokes really do learn something almost every day on this forum...have to look cuz I KNOW Myfico doesn't code the inqs...

Message Edited by netpanther on 12-02-2007 06:14 PM

[Anonymous]

I find that myfico doesn't show the softs.  At least it hasn't on the reports I have pulled here.  to get the softs you have to go straight to the source unless you have a 3in1 like TC....sorry