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how often should you check prequal sites

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ecxpa
Valued Contributor

Re: how often should you check prequal sites


@Anonymous wrote:

i check them everyday to satisfy my urge of actually apping


It does help some.......but not much fun when they have " no offers".  Seems like Cap 1 and Chase are pretty solid........he blew 3 inquiries on the Credit Card Match site though and another 2 on CK by responding to "very good" offers.  

Message 11 of 40
Anonymous
Not applicable

Re: how often should you check prequal sites

Don't teach him a bad habit of app spree, especially on early rebuilding stage.
Message 12 of 40
Anonymous
Not applicable

Re: how often should you check prequal sites

Why not? Smiley Tongue
Message 13 of 40
Anonymous
Not applicable

Re: how often should you check prequal sites

If they get the taste of approval, they will continue trying to the point only thing left is.... Credit one! *dun dun dun duuuuuuuuuuun!"
Seriously, I think once they fix bit of their credit history and raise score up, then they can go ahead and apply for multiple cards like Oprah is giving away high limit credit. But as of now, "work with what you got" would be the best.
Message 14 of 40
Anonymous
Not applicable

Re: how often should you check prequal sites

I check prequals when I get bored and have nothing better to do.  Heh.  I have a while yet before I'm ready to apply for more stuff but I admit I check a lot.

Message 15 of 40
shoo
Frequent Contributor

Re: how often should you check prequal sites

I check every day too lol. I don't mean to...well yes I do. He should chill on the apping. You said he has a few cards right? Tell him to sit on them for a bit.

$4200$1000$2650$53,000$6500$2500$12,500$7000$7000$34,700$12,100$10,000
EX - 790 | TU - 782 | EQ - ?
--- In the garden since April 2019 ---
Message 16 of 40
Lyythine
Established Contributor

Re: how often should you check prequal sites

I dont check every day, but a couple times a week. It's nice to feel wanted Smiley Wink

Message 17 of 40
Jerry45
Valued Contributor

Re: how often should you check prequal sites

It is fine. Soft Pulls all the way

Message 18 of 40
chalupaman
Super Contributor

Re: how often should you check prequal sites

I check sometimes and usually get nothing. Only real prequal I've ever gotten has been a Credit One card.

 

Also majority of the cards I have now, including CSP I never got a prequalified offer for. I use Credit Pulls Database heavily to guide my decisions on what/what not to app for.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 19 of 40
Anonymous
Not applicable

Re: how often should you check prequal sites

I used to check once a week, I'm going to check now haha.

Message 20 of 40
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