but I noticed that AmEx pulled a PRM on me EQ last month. Not much of promise, but I am just 'peachy' that they considered me 'somewhat' worthy, lol.
Touchdown, I read somewhere, they (creditors) ask the CRA to compile a list of consumers that meet certain criteria. If you meet it, you get a PRM. Ha ha! Found something: 22. Occasionally I receive mailings from credit grantors saying I'm pre-approved. How do I get on the mailing lists for these offers? As a benefit to you, a credit grantor may use a credit bureau's prescreening services to invite consumers to accept an offer of credit. Credit card offers give you the opportunity to choose from a variety of lender from around the country to best suit you financial needs. This way, you can shop for the most desirable interest rate and benefits associated with card membership. For the credit grantor to qualify customers, it needs to "prescreen" a list of names with a credit reporting agency. A list of names, often supplied by a marketing company, and a set of credit qualifying criteria, supplied by the credit grantor, are given to the credit bureau. Credit bureaus use the information to "match" the criteria against the list of names to develop a new list of consumers who qualify for this particular credit offer or services. The actual credit information contained in you credit report is not given to the credit grantor. Also, the inquiry on your credit report is disclosed only to you when you receive disclosure of your credit file. It does not appear to anyone else who review your report. http://www.cisdata.com/personalinfo.html
