Preapprovals...but not for me!

[isoldmyatlas]

In addition to developing a credit profile for myself, I've also been helping my SO fix his.  He was sub-600 mainly due to a medical collection and no credit card history.  In September he got approved for BOA's 99/500 card.  His medical collection dropped off last month and his score shot up to 715.  And in today's mail he received 2 preapprovals!  One from CreditOne (ick) and one from Cap1 (no annual fee Plat. MCD).  Even though they are subprime offers, I told him I was a little jealous since I STILL haven't gotten a single preapproval...and I have more credit history than him! :-P

He seemed a little interested in the Cap1 card but I told him he should hold off and apply for a Discover card at some point instead.  They approved me after 6 months, so he should be good to go with them soon, too!  He likes the cash back he gets from BOA card so I think Discover would be a better fit for him.  He's hoping his card gets unsecured/CLI'd a little earlier than the 1 year point since the $500 CL is pretty limiting.  Plus it'd be nice if he could pay his tuition with a card.

In the meantime...where are my dang preapprovals??!

[trix_r_4_kids]

Re: your preapprovals ...  Are you opted in?

If it makes you feel any better, you are not alone.  I also have been helping DH with his credit issues while I fix my own.  He's received 2 different Citi offers and one USAA offer.  I haven't received anything.  I am opted out, though.

I did see a similar post not too long ago with someone who had a similar issue.  It was discussed that perhaps the greener file was more attractive to prospective creditors as they are looking for new customers.

[twall06]

I got one from credit one today and on from a company i never heard about yesterday tore both of them up andthrew them away . But it was kinda nice first preapprovals i have gotten in five years .

[myjourney]

As long as you're OPT in they will come with time

[isoldmyatlas]

Hmmm...how would I be able to tell if I am opted in?

[myjourney]

https://www.optoutprescreen.com/opt_form.cgi

you can opt out or in

[E150GT]

I get citi pre approvals all the time. Too bad they have nothing I'm interested in

[isoldmyatlas]

Ok, it didn't tell me what my current status was so I filled out the opt in info. Thanks!

[isoldmyatlas]

And yeah, I am "meh" on citi as well. Nothing of theirs jumps out at me.

[myjourney]

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@isoldmyatlas wrote:
And yeah, I am "meh" on citi as well. Nothing of theirs jumps out at me.

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If your getting them from citi your opted in