Capital one and cleaning up reports.

[whatamess]

First of all Im not even a week out of closed/dishcharge and we have been getting capital one pre approved offers at 0%. Thats not poissible is it?
Im sure to get declined if I apply right?
What is the best credit monitoring service?
WAM

[magyar123]

Don't forget - it is JUST a pre-approval. They send those out by the truckload. Once you respond/complete the application is when the actual approval process begins.
Don't forget though - if you apply they will inquire/pulling your credit report.

[BassBoy]

We got these in bunches everyday. As magyar pointed out, it is a pre-approval. The marketing department sends those out, but they don't know what you're credit actually looks like. They may not even see the BK until you've applied.

If you don't want to receive these mailings, you can always opt-out. We did (for the next 5 years) and that garabge has ceased to arrive in our mailbox. I figured if I want another CC again, I'll do the research and homework to find what's best for us. I don't need some solicitation to find new credit to rebuild.

[magyar123]

I spread those pre-approval forms out in my cat's box before putting in the cat litter, and send the envelopes back empty. THinking about having someone take a picture of my hand, flipping the bird, and run copies of them, and enclose those. LOL

[BassBoy]

My Father stuffs those offers with expired coupons and promotional ads and then sends it back to the lender in the provided envelope. LOL! I can imagine the look on the person's face who opens it.

[whatamess]

LOL..I know someone who does that too. they send all sorts of ads for thermal underwear, etc that you find in those coupon 'val pacs'
Well, I signed up for a credit report monitoring service through creditkeeper.
After discharge on the 14th here is my damage!!!
experien 651
equifax 581
transunion 545
Equifax and transunion both show auto loan incl. in chapter 7 but current with current balance. A few say BK plus charged off.
Two others show accounts open and late.
My discharged medical bills are not showing at all..is that normal?
WAM