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Credit Card "Pre-Selector" sites?


socalfiremedic
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Generally, if you see the Opt Out at the bottom of the pre-app you have been offered a credit line pending final approval. If you do NOT see the Opt Out language you are not pre-qualified.

 

I'l running through the sites now and looking for new ones. If you see a pre-qual and it isn't listed here, shoot me a PM.

What's "opt out" language?

 

 

"Blah blah blah, you have received this offer because blah blah blah, if you don't want to blah blah blah opt out at blah blah blah. Blah blah blah in a giraffe's bunghole, blah blah blah with or without a nickle blah blah blah in your own blah blah blah."

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If you've 'opted out' do these sites work?

No they won't work so you would have to opt in.

 

 

Sent from my iPad using Tapatalk

 

Also to add.....opting back in is not immediate (like freezing/thawing your reports). It can take months to begin receiving prequalified offers after you opt back in, which includes the online prequalifier sites.

 

I accidentally permanently unfroze a bureau recently when I meant to thaw it for a few days. Since I had to put a freeze back on I got opted out all over again. Just before I did this I finally started getting offers in the mail again and I shot myself in the foot. I opted back in almost a month ago and probably won't see anything for another 2-3 months.

 

Would love to know if this is fairly common or if anyone has had a much shorter timeframe to see results (or even longer for that matter?).

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If you've 'opted out' do these sites work?

No they won't work so you would have to opt in.

 

 

Sent from my iPad using Tapatalk

 

Also to add.....opting back in is not immediate (like freezing/thawing your reports). It can take months to begin receiving prequalified offers after you opt back in, which includes the online prequalifier sites.

 

I accidentally permanently unfroze a bureau recently when I meant to thaw it for a few days. Since I had to put a freeze back on I got opted out all over again. Just before I did this I finally started getting offers in the mail again and I shot myself in the foot. I opted back in almost a month ago and probably won't see anything for another 2-3 months.

 

Would love to know if this is fairly common or if anyone has had a much shorter timeframe to see results (or even longer for that matter?).

 

 

My experience has been very similar to yours. It took a couple months to get offers after opting out.

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If I burned citi on an installment loan for almost 7k in 2009, will this have me on their BL for credit cards?

I am not aware of Cti having such a credit card black list. I know Amex does, which often seems to be for a long time, if not for life.

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If I burned citi on an installment loan for almost 7k in 2009, will this have me on their BL for credit cards?

I am not aware of Cti having such a credit card black list. I know Amex does, which often seems to be for a long time, if not for life.

 

 

They do. Check the Master BL thread.

 

They are on there. And they hold a grudge for quite awhile too.

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  • 2 weeks later...

Okay, I'm great at getting baddies removed from my reports but I suck at the whole "adding credit" thing....

 

How accurate are these pre-qualifiers? Because I just bounced through several of the ones that ubercat graciously posted back in June and almost all of them came back with some pretty darn good offers considering my scores and reports. Capital One was the only one to come back with a secured card. And, yes, they were actual "pre-qualified" offers and not suggestions.

 

So, I'm guessing that just can't be right...right?

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Okay, I'm great at getting baddies removed from my reports but I suck at the whole "adding credit" thing....

 

How accurate are these pre-qualifiers? Because I just bounced through several of the ones that ubercat graciously posted back in June and almost all of them came back with some pretty darn good offers considering my scores and reports. Capital One was the only one to come back with a secured card. And, yes, they were actual "pre-qualified" offers and not suggestions.

 

So, I'm guessing that just can't be right...right?

 

If your fico scores in your sig are current, I wouldn't trust the offers either. :dntknw:

 

If you don't have ANY open cc accounts, I would take the Cap One secured (I think it graduates?)

If you decide to get it, put the max allowed on the card, or however much you can afford.

 

DON'T DO ANYTHING until others chime in.

Edited by Kat58
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They wouldn't graduate my 2 year old cap1 secured 3 months ago. Was able to convert the cap 1 basic unsecured to qs1 and they say might be able to convert qs1 to regular QS without AF I'll probably try to convert it in early 2016 when new accounts age and scores closer to 680 +.

Edited by Cmike241
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? For me Uber? I have the intro unsecured BOA card. Just got in June

 

I'm sorry. I was asking Press.

 

I was going to suggest that calling BofA might be a good idea (for Press) because they seem to sit on pre-approvals which you can sometimes learn about if you call around, CSR first then UW. BofA is super accommodating on the phone.

 

US Bank runs most of the pulls they get for new products through a second pair of eye and then offer pre-approved products depending on how this and that...

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US Bank is worthless, and will eventually be removed from the list - who know, it might get 'fixed'...

 

I agree that the Cap1 is the most 'reliable' of the bunch.

 

 

 

Do you have any cards or accounts with BofA or US Bank?

 

Sadly, I have no cards at all, at the moment. I'm being stubborn and waiting for four CAs to disappear from my reports (active disputes and ITS letters that I'm awaiting results for) before I apply for anything.

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  • 3 months later...

Generally, if you see the Opt Out at the bottom of the pre-app you have been offered a credit line pending final approval. If you do NOT see the Opt Out language you are not pre-qualified.

 

The above is very important!

Edited by Kat58
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