Why am I not pre-approved for anything?

[bmwman3241]

I just started my credit profile last year and have added 4 personal cards and 3 AU cards since then. I have a decent credit score of around 700, with about 21k total credit + AMEX Gold (61k credit including AU cards).

I have been waiting to receive pre-approvals in the mail and on the different websites (AMEX, Chase, Cap1, Cardmatch), but nothing ever comes up for me. I have never opted out of anything. How can I check why I am not receiving any pre-approvals? I think I have decent credit and should be pre-approved for something. My brother has no credit profile, yet is receiving mail offers from different banks.

NOTE: I never looked at my social security card(nor did my parents apparently), and last year realized my last name was spelled incorrectly (missing a letter), and had it corrected at the Social Security office. Address is the same address I grew up on.  I don’t know if that makes a difference?

Cards I have:

AMEX PRG

Chase CSP – 10k

Chase Freedom – 10k

FNBO Secured – 1k

AMEX SPG(AU) – 30k

Cap1 Quicksilver(AU) – 6.5k

Cap1 Platinum(AU) – 3.5k

Thanks in advance for the help.

[Anonymous]

You ever freeze your credit reports at all?  Have you tried the on-line pre-quals?

[thelethargicage]

Have you opted in to receive credit card offers?

[bmwman3241]

I have never frozen my credit reports. I have tried online pre-qualify on different sites but nothing ever comes up.

[bmwman3241]

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thelethargicage wrote:
Have you opted in to receive credit card offers?

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I thought by default you were opted in with the option to opt out? How do I check whether I am opted in or out?

[yudeology101]

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@bmwman3241 wrote:

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@thelethargicage wrote:
Have you opted in to receive credit card offers?

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I thought by default you were opted in with the option to opt out? How do I check whether I am opted in or out?

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You can google "how to opt-in or opt-out" and opt-in again at the site just to be sure. 

[Involver]

I'm still never preapproved for anthing with scores nearing 770.  Guess the data miners haven't gotten to me yet?

[user5387]

I have good credit and only rarely receive preapprovals.

Not sure why, but it might be that they're looking for people who are likely to pay interest, or who buy a lot of stuff.

[hot4u]

I would pull a credit report to see if Info they have is same.

Example I found my Middle name was listed on Transunion as my first name. Go figure

[john398]

the only time I get preapprovals other than from First Premier is when my credit reports less than 10% util