Are you getting pre-approval credit offers in the mail? Try not to let them tempt you! The best thing to do with these is shred them quickly and toss them in the recycling bin. Many people falsely believe if they receive many pre-approved offers of credit that their credit scores must be high. Many of these junk mail offers are simply fishing scams, as most companies don’t check your credit history until after you actually say “yes” to their offer. Generally, credit card companies get your name from marketing lists. While they do look for certain criteria, an outstanding credit … Continue reading →