New Pre-approved Credit One

MountainHiker · ‎12-17-2012

Who are they? Is this one of those subprime companies? Warming up the shredder!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured

jsucool76 · ‎12-17-2012

@MountainHiker wrote:
Who are they? Is this one of those subprime companies? Warming up the shredder!

Yes it is...and that is exactly what I would do as well.

jpparker07 · ‎12-17-2012

Yes they are subprime. The annual fee is probably ridiculously high.

Cards: AMEX BCE (2k), Barclay Arrival Mastercard (4.3K), Chase Freedom (1K), Discover It (1.3k), SECU (2K), CapOne Quicksilver (750)

Current Scores- Experian- 695, Equifax- 689, Transunion-680

Goal- 720 Across the Board

MountainHiker · ‎12-17-2012

I had a feeling. so funny I keep getting these kind of offers.I see how people can get trapped by companies like them. They are relentless.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured

Shogun · ‎12-17-2012

With your posted scores, you don't need them. Feed the shredder!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

visorboy1974 · ‎12-17-2012

Subprime with something like a $75-$100 AF. Avoid!

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818

MountainHiker · ‎12-17-2012

Who knew my shredder would turn out to be such a good investment.

@Shogun wrote:
With your posted scores, you don't need them. Feed the shredder!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured

GreatCreditFor2012 · ‎12-17-2012

LoL its like an insult when they send you these offers knowing your scores are in the High 600s on up... Ugh!!

SpiceIslander · ‎12-17-2012

Sub-subprime! Shredder may even refuse it!

Rhaeny · ‎12-17-2012

Yea....I wouldn't get them with your scores. At the time I got them I was in the beginning rebuilding stages. AF was like $75 bucks and I don't know what the interest rate is...don't really care as I PIF. When renewal times comes up I will be closing them out.