Soft-pull PREAPPROVALs - Updated 4/20/21

[Anonymous]

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@coreysw12 wrote:

Affirm is a company that offers monthly payments (short term loans) for purchases at participating online retailers. They don't have a central  pre-qualification site, but they offer SP pre-qualification at most (all?) of the participating vendors' websites. You can find a participating vendor from their website:

https://www.affirm.com/how-it-works 

Interest rates vary from 10-30%. Some vendors also offer special terms, like 0% for 12 months. They won't run a HP until/unless you make an actual purchase using their service.

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These show up on your credit as Consumer Finance Accounts and are a small ding to your score until they fall off. People shouldn't use them unless they have no other choice. 

[PutThatMoneyOnTheTable]

Did anyone use the Regions link? 

I took a break and now I'm back with an itch 

[Anonymous]

Great thread, OP! Thank you for taking the time to make this list and updating with links. Very helpful as I'm sure this will serve the community well 

[coreysw12]

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@Anonymous wrote:

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These show up on your credit as Consumer Finance Accounts and are a small ding to your score until they fall off. People shouldn't use them unless they have no other choice. 

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Yikes, didn't know that, thanks for the heads up!

[waqaszm1]

Consumer finance accounts added to list today:

Affirm - Pulls Experian - https://www.affirm.com/

Sezzle - Pulls Experian - https://sezzle.com/

Klarna - Pulls Experian - https://www.klarna.com/us/

Regional Finance - Pulls Equifax - https://www.regionalfinance.com/

Conn's Home Plus (Pulls any 1 Bureau at random) - https://www.conns.com/yes-money-credit

[justjac2]

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@PutThatMoneyOnTheTable wrote:

Did anyone use the Regions link? 

I took a break and now I'm back with an itch 

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Hi,

 I used the pre-qualify link on the Regions website back in December and received three offers.  They all had a $6K limit and showed a single interest rate (I forget what  it was, but it was over 20%). I accepted the Cash Rewards card and received exactly what they offered.

They pulled EQ and I have a Chapter 13 from June 17, 2013 still showing. My FICO 8 was around 685 then.

[Wavester64]

>>Regions Bank (Pulls TransUnion) - https://apply.regions.com/creditcards/gettingstarted

Question about this one - has anyone tried this pre-approval? I was starting to try, but it seems
like they ask for a lot of information for a pre-approval (stopped on 3rd page)?

I don't need a HP right now :-)

[Wavester64]

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@justjac2 wrote:

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@PutThatMoneyOnTheTable wrote:

Did anyone use the Regions link? 

I took a break and now I'm back with an itch 

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Hi,

 I used the pre-qualify link on the Regions website back in December and received three offers.  They all had a $6K limit and showed a single interest rate (I forget what  it was, but it was over 20%). I accepted the Cash Rewards card and received exactly what they offered.

They pulled EQ and I have a Chapter 13 from June 17, 2013 still showing. My FICO 8 was around 685 then.

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Are you sure it was EQ? This list says Pulls TransUnion. Just asking because I was thinking of trying for pre-q.

[Gmood1]

@Wavester64 

I checked my reports. Regions SP'd TU. BB&T SPs Equifax for preapprovals.

[justjac2]

I can't believe I screwed up my first post :-( Yes, it was TU. Sorry