Does opting out of prescreened offers apply to CU or bank offers too?

[Anonymous]

Just curious after reading some offers people get on their 'my offers' tab if when you opt out of those prescreened offers if it also applies to those you would get on your account log in? Curious.......food for thought anyway.

[MarineVietVet]

I don't know. I'll wait with you for an answer. 

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
6/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
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Whats In Your FICO Score

[Anonymous]

I read somewhere that if you opt out of prescreened offers that you get a tiny boost to your scores, cant remember where........but, I have been working VERY deligently to remove some baddies and I wouldnt want to miss any good offers from NFCU either.....so I was curious.

[llecs]

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@Anonymous wrote:

I read somewhere that if you opt out of prescreened offers that you get a tiny boost to your scores, cant remember where........but, I have been working VERY deligently to remove some baddies and I wouldnt want to miss any good offers from NFCU either.....so I was curious.

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Nope. Opting out has nothing to do with FICO scoring. I opted out for myself and DW and nada.

YMMV based on the CCC I guess. If they soft you for promo offers, then they wouldn't be able to do that.

[Anonymous]

So I would still get offers from NFCU, did I follow correctly?

[llecs]

It would depend on them I guess. For example, I have BofA and BofA shows pre-approved offers from time to time. Once I opted out, those offers disappeared and never returned.

[Anonymous]

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@llecs wrote:

It would depend on them I guess. For example, I have BofA and BofA shows pre-approved offers from time to time. Once I opted out, those offers disappeared and never returned.

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I opted out a long time ago, but I get pre-approvals from USAA all the time. 

[AndySoCal]

I opted out a long time ago it was one the best decisions I ever made. Credit offers to tempt me I have to go and find the product I want. Also in this day identity theft I do not want those offers in my mailbox. Having the possibility where some one might steal one and use it.  I have not a credit card offer other than those companies I do business with.