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2. Pre-Approved Credit Card Offers: 4 Things You Really ... - AOL

   www.aol.com/news/2013-09-06-preapproved-credit...

   Well, here's the good news: The "pre-approval" process doesn't actually involve checking your credit report. "You are not 'pre-approved,' you are conditionally approved," explains John Ulzheimer ...

3. Here's What Happens to Your Credit Score if You Get Pre ... - AOL

   www.aol.com/heres-happens-credit-score-pre...

   The FICO credit scoring formula gets 10% of its weight from a category called "new credit." This considers any credit inquiries (times you apply for credit) from the past 12 months.

4. How to See If You're Prequalified for a Credit Card - AOL

   www.aol.com/finance/see-youre-prequalified...

   You might discover your credit score doesn’t fall in the range most credit card issuers want to see (cards for excellent credit, they want to see 720 or above; some issuers make offers to ...

5. Pre-Approved Credit Card Offers: 4 Things You Really ... - AOL

   www.aol.com/.../preapproved-credit-card-offers-facts

   But physical junk mail is a bit tougher to disregard -- especially when it's a big, bulky envelope from a bank with a pre-approved credit card. Alamy Spam email is easy to ignore, delete, or ...

6. Prescreen - Wikipedia

   en.wikipedia.org/wiki/Prescreen

   During the first quarter of 2010, U.S consumers received 481 million direct mail prescreen credit offers which represents a 29 percent increase on the 372.4 million mailed in the first quarter of 2009. [2] However, as the volume of direct mail prescreen offers increases, the acceptance rate of those offers tends to decrease.

7. Credit Karma duped users into applying for credit cards, feds ...

   www.aol.com/news/credit-karma-duped-users...

   Applicants were ultimately denied, despite being told that they were “pre-approved.” Credit Karma duped users into applying for credit cards, feds say. How to get a refund