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2nd Discover "pre-approval" letter in one week

The last post in this topic was posted 3328 days ago. 

 

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It's clear that they're just spamming like crazy lately. 1403.gif1403.gif

 

Some have reported that they have been receiving 2 or 3 of these mailings a week for months.

 

 

Pre-approval letters are bunk anyway. Burn 'em! sFun_explosive.gif

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Pre-approval letters are bunk anyway. Burn 'em!

 

there is a big difference between an ITA and a pre-screened offer of credit. understanding this difference is an important part of building solid credit.

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Pre-approval letters are bunk anyway. Burn 'em!

 

there is a big difference between an ITA and a pre-screened offer of credit. understanding this difference is an important part of building solid credit.

 

At the bottom of the letter it says:

 

YOU CAN CHOOSE TO STOP RECEIVING "PRE-SCREENED" OFFERS OF CREDIT FROM THIS AND OTHER COMPANIES BY CALLING TOLL-FREE (888) 567-8688. SEE PRE-SCREEN & OPT OUT NOTICE ON THE REVERSE SIDE FOR MORE INFORMATION ABOUT PRE-SCREENED OFFERS.

break_pc2.gif

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Pre-approval letters are bunk anyway. Burn 'em!

 

there is a big difference between an ITA and a pre-screened offer of credit. understanding this difference is an important part of building solid credit.

 

At the bottom of the letter it says:

 

YOU CAN CHOOSE TO STOP RECEIVING "PRE-SCREENED" OFFERS OF CREDIT FROM THIS AND OTHER COMPANIES BY CALLING TOLL-FREE (888) 567-8688. SEE PRE-SCREEN & OPT OUT NOTICE ON THE REVERSE SIDE FOR MORE INFORMATION ABOUT PRE-SCREENED OFFERS.

break_pc2.gif

 

LOL your emoticons are just hilarious...

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Last year I was declined for both Discover and Amex. Both were prescreened offers of credit. I believe it was most likely that I had a new mortgage and lived at a different address. While I also had some old CAs and a old paid lien these factors were available and likely considered before extending the PS offers.

 

I think prescreened offers are good, but if other factors, like income or residences not matching mortgages, raise red flags it might be best to wait a while if a PSO app is rejected before apping on another PSO.

Edited by cashnocredit

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The last post in this topic was posted 3328 days ago. 

 

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