Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
jtrixie

0 Contributions
0 People Helped
I have poor credit so why am I suddenly getting so many credit offers in the mail?
I'm here to (hopefully) find out why I am getting so many "pre-approved" credit offers in the mail. I have had poor credit for about 4 years but suddenly (for the past month or 2) I am getting a lot of credit offers (at least 1 or 2 per business day). I was concerned that maybe someone fraudulently applied for credit in my name, as sometimes an inquiry can trigger more credit offers, but CK shows no inquiries at all. So why am I getting offers now and so frequently? My credit score is 582. Any input would be greatly appreciated. Thank you!

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
17 Contributions
22 People Helped

Unsure as to why you'ive been getting all this credit except for thinking that since some of your bad accounts are 4 years old, they are impacting your score less and less which makes creditation more attractive.

However, I am a CK 587 (thanks to a medical collections that I do not own and am currently fighting), and I was approved for a Capital One Platinum card with $300, so it may be worth applying for it and using it responsibly. I mean even if it's not a definite approval, it's at least worth trying. Or you could go the secured card route too.

Use it to pay your cell phone bill and then pay your credit card bill instead. It will help your credit score a lot.

Top Contributor
12 Contributions
18 People Helped

Did you move back in with another family member?  I started getting lots of offers when I had my mail sent to my parent's home for 6 months. 

Top Contributor
40 Contributions
41 People Helped

The offers just show up, it is crazy!

I only have 6 months of credit history with a secured card paid in full each month. Right when I hit 6 months the offers started coming in the mail. It was unbelievable. One bank sent me 5 letters in 3 weeks.

Some computer is probably running day and night with an algorhythm and found you and now won't relent! I hope you get a good deal.

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.