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No Pre-Approvals, 790 FICO

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CreditUp26
New Contributor

No Pre-Approvals, 790 FICO

Was wondering if anyone has this issue. I don't seem to have ever opted-out of pre-approvals, yet despite having 15 years of credit history, a thick file, 2% utilization, and a 790 credit score I have *never* received a credit card pre-approval in the mail. Has this happened to anyone else or does anyone have an idea why this might be? Thanks. 

10 REPLIES 10
Meanmchine
Super Contributor

Re: No Pre-Approvals, 790 FICO

Me.

 

Question, have you ever had a fraud alert on your reports?

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 2 of 11
GZG
Senior Contributor

Re: No Pre-Approvals, 790 FICO


@Meanmchine wrote:

Me.

 

Question, have you ever had a fraud alert on your reports?


or just have your reports frozen?

Starting FICO 8:
Current FICO 8:



Message 3 of 11
CreditUp26
New Contributor

Re: No Pre-Approvals, 790 FICO


@Meanmchine wrote:

Me.

 

Question, have you ever had a fraud alert on your reports?



I don't think I have any fraud alerts. 

Message 4 of 11
CreditUp26
New Contributor

Re: No Pre-Approvals, 790 FICO


@GZG wrote:

@Meanmchine wrote:

Me.

 

Question, have you ever had a fraud alert on your reports?


or just have your reports frozen?


I just recently froze my reports but this has been going on for years. 

Message 5 of 11
Blender
Established Contributor

Re: No Pre-Approvals, 790 FICO


@CreditUp26 wrote:

@GZG wrote:

@Meanmchine wrote:

Me.

 

Question, have you ever had a fraud alert on your reports?


or just have your reports frozen?


I just recently froze my reports but this has been going on for years. 


Just go to the site and opt in. I was in the same boat (although my scores at the time really didnt warrant good pre approvals). Once above 700, i opted in once, nothing, then once more, and now they come every day.

10/2024


Message 6 of 11
CreditUp26
New Contributor

Re: No Pre-Approvals, 790 FICO


@Blender wrote:

@CreditUp26 wrote:

@GZG wrote:

@Meanmchine wrote:

Me.

 

Question, have you ever had a fraud alert on your reports?


or just have your reports frozen?


I just recently froze my reports but this has been going on for years. 


Just go to the site and opt in. I was in the same boat (although my scores at the time really didnt warrant good pre approvals). Once above 700, i opted in once, nothing, then once more, and now they come every day.


Thanks! Can you clarify where I opt-in though? 

Message 7 of 11
Notgoddess
Member

Re: No Pre-Approvals, 790 FICO

Message 8 of 11
SouthJamaica
Mega Contributor

Re: No Pre-Approvals, 790 FICO


@CreditUp26 wrote:

@Blender wrote:

@CreditUp26 wrote:

@GZG wrote:

@Meanmchine wrote:

Me.

 

Question, have you ever had a fraud alert on your reports?


or just have your reports frozen?


I just recently froze my reports but this has been going on for years. 


Just go to the site and opt in. I was in the same boat (although my scores at the time really didnt warrant good pre approvals). Once above 700, i opted in once, nothing, then once more, and now they come every day.


Thanks! Can you clarify where I opt-in though? 


Here's the site:  https://www.optoutprescreen.com/

 

 


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 9 of 11
CreditUp26
New Contributor

Re: No Pre-Approvals, 790 FICO


@Notgoddess wrote:

Opt in at https://www.optoutprescreen.com/


I had no idea, thanks!

Message 10 of 11
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