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Re: Dispute Credit pull?
Aside from retail stores, if a person has no experience with a particular lender, I don't know of any "preapproved" offers. IME

Mailboxes across America are filled with soft-pull preapprovals every day.

(And the "aside from retail stores" and "experience with a lender" both disprove your point, anyway. The idea that Amex or Citi will preapprove more credit for an existing customer with a soft pull but would need a hard to decide on an account shutdown is just utterly silly.)

November 28, 2016, 01:41:37 AM
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