Are there any other companies besides Capital One that you will let you see if your pre-qualified first prior to applying?
TIA
TIA
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Credit One is another one.Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706. -
Thanks but I'm not really a fan of their fees.Comment
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HSBC does but that's another one with bad fees. Orchard too.A fresh start is a beautiful thing. And I'm not an attorney, just opinionated!
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Well, their fees are average - considering re-building after BK. But since you are looking for cards with the pre-quali feature, I can already tell you that there aren't many others out there.Originally posted by Willswife View Post
Credit One already increased my CL 3 weeks after I opened the account.Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.Comment
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how do u like credit one?Originally posted by IBroke View Post
how much did u have to pay to get a credit line increase?Last edited by scorpion35; 03-19-2011, 05:54 PM.Filed chapter 7 on 9/17
341 on 10/20
Chapter 7 Trustee's Report of No Distribution on 10/21
Discharged and Case Closed on 12/21/2010
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My initial CL was $500. After the first statement which was issued right away and only consisted the $75 annual fee, a paid $50 online - double the minimum payment. After that, I spent about $350 on that account. Around that time, they already increased my CL to $600 - I guess after they received my first payment which somewhat verified that I was "for real"...Originally posted by scorpion35 View Post
So far, I'm totally satisfied. They deliver what I expected and report to the 3 bureaus.Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.Comment
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If you are opt'ed in, you can see if you're prequalified for WFNNB store cards. Then, if you accept the preapproval you can get them without a hard inquery on your report. Such stores are Victoria's Secret, Brylan Homes, King Size, Spiegal, The Avenue, One Stop Plus, Value City Furniture ... there are a bunch more as well but you basically register on their site for an account and then it will either pop up with a preaproval or you won't see it till you put something in your cart and then go toward check out. When accepting the offer you will only give them the last 4 digits of your social and poof you have a card without a hard inquery.
But you won't get any of the pre approvals if you are not opt'd in.BK Ch 7 Discharged 09/2009 | Anything I say can and should be used as friendly advice and sharing of experiences with an unbiased viewpoint.
Scores: EQ 745 EX 704 TU 710 as of 08/15/2012Comment
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