RE: Preapprovals invites

[indiasnowden]

I have been reading past threads regarding preapproval invites.  I have never received a preapproval invite to my knowledge.   I did receive an offer to apply  for an  Best Buy VISA  which I disregarded.  The offer said I may be approved based on my credit file, but that is true for any credit vehicle, be it a loan or a card.  So, was that offer that I received a preapproval or no?  How do you get on the preapproval list?  Is it a certain FICO level that you have to reach?  Happy Hollies to one and all!

[Anonymous]

Merry X'mas everyone!

indiasnowden,  are you looking for to receive pre-approved offer?

I sees you has been improved your score in past five months.  Light now, I am not even getting those offers as used to be neither.   I do receives BT offers from my current cccs ... that's it for now.  So, I believe it has to do with the economy.  As long as you keep improving your score, you may receive an offer one day ... just IMO.   Keep your head up! 

[Anonymous]

I didn't start getting pre-approvals for good cards until my score went over 700. (I got offers from crappy, high-fee cards all the time below 700). But there is stil no guarantee, even with a pre-approval - they just set a parameter like "score over 700, no negatives in the past year" and send pre-approvals to all those people. There still might be something in your history that would keep you from being approved.

[Anonymous]

As your score goes up you also stop getting dunned with preapprovals from World Finance, Orchid, and those other high-interest-no-credit-check-required-rent-2-own places as well.  But I actually chose to opt to receive unsolicited mailouts out because there was some offer or another every blesed day.