Preapproved Credit Cards- Do they hurt your credit?

Yes, credit card companies do check your credit before issuing you a pre-approved credit card. However, these types of credit checks do not hurt your personal credit score in any way. Nor does the pre-approved credit card search appear on your credit report. Only credit cards that YOU apply for will make a slight drop in your credit score appear. So if you decide in the end to actually take a pre-approved credit card up on their offer and agree to sign up with them, THEN will your credit score be affected by applying for their card. If pre-approved credit card inquiries still scare you and you dont particularly enjoy having your mail box full of them you can call You can stpop these mailings and inquiries by calling (888) 5-OPT-OUT or (888) 567-8688.

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