cancel
Showing results for 
Search instead for 
Did you mean: 

Pre-qualify for credit card HELP

Highlighted
Contributor

Re: Pre-qualify for credit card HELP

       

              Don't know how much I'd trust the Discover site. Just for the heck of it I just went and tried it, and it came back with no offers. So I clicked the link that said reason for denial. It stated something to the effect that they were unable to locate me. I have several national bank cards that I know report to all 3 bureaus. I should be pretty easy to find and if they can't do that, how good is the rest of their info?

Message 11 of 17
Highlighted
Moderator Emerita

Re: Pre-qualify for credit card HELP


@ottergo4 wrote:

       

              Don't know how much I'd trust the Discover site. Just for the heck of it I just went and tried it, and it came back with no offers. So I clicked the link that said reason for denial. It stated something to the effect that they were unable to locate me. I have several national bank cards that I know report to all 3 bureaus. I should be pretty easy to find and if they can't do that, how good is the rest of their info?


Have you ever been softed by them?

 

With Discover, I think that the preapprovals come up IF they have already softed you. If they haven't, they can't locate you in their system. Since all you enter are your first and last name and last four of your social, I don't see how they could do a real-time soft inquiry. Wouldn't swear to it, though.

 

I get the same result.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 12 of 17
Highlighted
New Member

Re: Pre-qualify for credit card HELP


@minimock wrote:

For grins and giggles, I did the first link.

 

Congratulations, you are pre qualified for a secured card LOL.

 

I imagine these are all shut down because of the Capital One buy out.


I don't think so, I just got approved for a Household Bank Platinum.

----------------------
TU: 620 (03/13)
Chase Auto Loan $20k (05/12)
Discover It $1500 (03/13) / Amazon GE $1000 (02/13) / Wal-Mart GE $800 (01/13) / Chevron GE $600 (12/12) / Old Navy GE $300 (10/12) / Best Buy Cap1 $500 (11/11) / HSBC Platinum (Cap1) $500 (08/11) / Capital One Journey $500 (02/11)
Message 13 of 17
Highlighted
Frequent Contributor

Re: Pre-qualify for credit card HELP

If you've opted out or don't meet their minimum requirements, they wont have any offers for you.

 

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre17.shtm



EQ: 662 | TU: 682 | EX Plus: 764
SL baddies fall off between Jan '13 - Oct '14
Message 14 of 17
Highlighted
Regular Contributor

Re: Pre-qualify for credit card HELP

It Said that to me too!!! Strange

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


Take the FICO Fitness Challenge
Message 15 of 17
Highlighted
Valued Contributor

Re: Pre-qualify for credit card HELP

What did you pre-apply for? I tried the regular HSBC and it told me that too?!
Message 16 of 17
Highlighted
New Contributor

Re: Pre-qualify for credit card HELP

Was glad to find out that Discover had a prequal site....but then...

 

Since we couldn't find you in our records, we are unable to provide you with pre-approved offers.

This may be due to a number of common circumstances including:

 

  • If you recently changed your address
  • If you placed a freeze on your credit

 

 

 


 

TU FICO - 752 (8/12/11)
EX PLUS - 721 (8/9/11)
EQ FICO - 648 (2010)

(21 years old)
Message 17 of 17
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.