Pre Approved Credit Card Offers

When is junk mail not really junk mail? For those of you who are establishing, or reestablishing your credit, these “junk mail” credit card offers can be a valuable tool in getting your credit back on track. Any bona fide lender can subscribe to Experian’s Pre Screened List services. So long as the lender is making a “firm offer of credit”, the prospective lender can purchase an extremely detailed list that will provide not only the credit profile of the consumers, but also some insight into their income, employment, education, age, and a host of other fields that a lender can request. A soft pull credit report is part of the process. So what does this mean?

It means that you really are pre-approved. All you need to do is contact the creditor and have them verify your employment. Remember, if we are trying to improve our score we want to get credit with a Nation Bank Credit Card and not a local credit union, smaller community bank, and especially not with a department store, merchandise based offer of credit. An unsecured account is more valuable than a secured account. Watch the video for more details on how to turn your junk mail into a valuable tool to help improve your credit score!
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