Jump to content

Credit Card "Pre-Selector" sites?


Recommended Posts


  • Replies 1.3k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Popular Posts

UPDATED LIST 9/10/2021   Patelco CU USALLIANCE Financial Credit Union Capital One Citi Chase FNBO Bank of America GESA CU Discovery American E

Would like to mention I was approved with an sp on EQ for 4.5k using this site. 

anyone have a current link for US Skank prequal?   ETA: the crap1 link also seems to crap out  

  • 4 weeks later...
  • 1 month later...
51 minutes ago, deweysfba said:

Looks like virtually ALL the links in the post are now dead. 😢

some have been dead for a while (e.g., US Skank), but at least these are still live (I didn't check store cards or the subprimes other than discovery):

 

  • CITI
  • hsbc
  • usafinancial
  • Regions
  • Chase
  • subprime Discovery

 

  • and BOA (which is not always a true pre-screened offer)

 

So it seems virtually ALL of them are alive :wave:

Link to post
Share on other sites

UPDATED LIST 5/5/2020

 

USALLIANCE Financial Credit Union

HSBC

Capital One

Citi

Chase

Bank of America

Discovery

American Express

BBVA

BankMobile Mastercard

Goldman Sachs Apple Card (via the wallet)

 

GEOFENCED:

Regions Bank

BB&T

 

Store and Subprimers

Milestone Gold (please don't apply)

Ikea Project Card (Comenity)

Home Depot

Kohls

 

RIP: US Bank

 

 

 

 

 

 

 

 

 

Link to post
Share on other sites
23 hours ago, hegemony said:

UPDATED LIST 5/5/2020

 

USALLIANCE Financial Credit Union

HSBC

Capital One

Citi

Chase

Bank of America

Discovery

American Express

BBVA

BankMobile Mastercard

Goldman Sachs Apple Card (via the wallet)

 

GEOFENCED:

Regions Bank

BB&T

 

Store and Subprimers

Milestone Gold (please don't apply)

Ikea Project Card (Comenity)

Home Depot

Kohls

 

RIP: US Bank

 

 

 

 

 

 

 

 

 

Thanks for sharing this.  Question though...if you've LOCKED/FROZE your reports, would they need to be undone before they do these soft pulls?

With no relationship with a bank, not sure if the LOCK negates them from getting a soft pull.  

 

Thanks for the advice.  

Link to post
Share on other sites
2 hours ago, TJSpends said:

Thanks for sharing this.  Question though...if you've LOCKED/FROZE your reports, would they need to be undone before they do these soft pulls?

With no relationship with a bank, not sure if the LOCK negates them from getting a soft pull.  

 

Thanks for the advice.  

Current lenders, in theory, can pull softs or hards so these links should work if you are a current customer (again at least in theory) but since these pre-screened systems are predicated on you being opened in for firm offers of credit you may be out of luck since when you freeze your reports it opts you out the same as if you went to the opt out website. You can try to opt back in via the opt out website (without unfreezing) but that may or may not work.

 

Unfreezing may or may not opt you back in (I'm not sure) but the only reasons to freeze, IMHO: 1) you are a victim of active ID theft or 2) you are about to apply for a mortgage.

Link to post
Share on other sites
On 5/6/2020 at 6:09 PM, TJSpends said:

Thanks for sharing this.  Question though...if you've LOCKED/FROZE your reports, would they need to be undone before they do these soft pulls?

With no relationship with a bank, not sure if the LOCK negates them from getting a soft pull.  

 

Thanks for the advice.  

You need to unfreeze before applying.

 

Link to post
Share on other sites
On 5/5/2020 at 6:59 PM, hegemony said:

UPDATED LIST 5/5/2020

 

USALLIANCE Financial Credit Union

HSBC

Capital One

Citi

Chase

Bank of America

Discovery

American Express

BBVA

BankMobile Mastercard

Goldman Sachs Apple Card (via the wallet)

 

GEOFENCED:

Regions Bank

BB&T

 

Store and Subprimers

Milestone Gold (please don't apply)

Ikea Project Card (Comenity)

Home Depot

Kohls

 

RIP: US Bank

 

 

 

 

 

 

 

 

 

BBVA appears not to be available in NC.

Link to post
Share on other sites
  • 1 year later...
  • 3 months later...

 

UPDATED LIST 9/10/2021

 

Patelco CU

USALLIANCE Financial Credit Union

Capital One

Citi

Chase

FNBO

Bank of America

GESA CU

Discovery

American Express

BankMobile Mastercard

Upgrade Visa

wHells Fargo

Goldman Sachs Apple Card (via the wallet)

 

GEOFENCED:

Regions Bank

BB&T

 

Store and Subprimers

Milestone Gold (please don't apply)

Ikea Project Card (Comenity)

Home Depot

Kohls

 

RIP: US Bank, HSBC, BBVA (post PNC merger seems to have nixed pre-qual)

Edited by hegemony
Link to post
Share on other sites
  • 4 weeks later...
22 hours ago, JayAye said:

BofA does not pre-anything. They just give you a roulette of marketing offers that have 0 correlation to your approval odds


Sent from my iPhone using Tapatalk

welcome to CB!!

 

but BOA is a real prescreen system as long as your not opted out, such as if you placed a freeze on any of the four major CRAs.

Link to post
Share on other sites

Geesh, I seem to have been denied for every single one of the lenders on that list, even from the lenders that I currently have an existing card with.  My scores are above 700 across the board and I have less than 14% credit utilization. I don't get it.

Link to post
Share on other sites
Geesh, I seem to have been denied for every single one of the lenders on that list, even from the lenders that I currently have an existing card with.  My scores are above 700 across the board and I have less than 14% credit utilization. I don't get it.

I wouldn't worry about that too much.

Many times you can get approved even if you haven't seen a pre-approval.


Sent from my iPad using Tapatalk
Link to post
Share on other sites
  • 3 weeks later...
On 9/10/2021 at 9:52 AM, hegemony said:

 

UPDATED LIST 9/10/2021

 

Patelco CU

USALLIANCE Financial Credit Union

Capital One

Citi

Chase

FNBO

Bank of America

GESA CU

Discovery

American Express

BankMobile Mastercard

Upgrade Visa

wHells Fargo

Goldman Sachs Apple Card (via the wallet)

 

GEOFENCED:

Regions Bank

BB&T

 

Store and Subprimers

Milestone Gold (please don't apply)

Ikea Project Card (Comenity)

Home Depot

Kohls

 

RIP: US Bank, HSBC, BBVA (post PNC merger seems to have nixed pre-qual)

Chase and Citi have turned there’s off as well.

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.





  • Member Statistics

    • Total Members
      182,997
    • Most Online
      2,046

    Newest Member
    Iamjahpoe
    Joined
×
×
  • Create New...

Important Information

Guidelines