Inquiries for pre-approved offers do not affect your credit score unless you follow through and apply for the credit.
If you read the fine print on the offer, you’ll find it’s not really “pre-approved.” Anyone who receives an offer still must fill out an application before being granted credit. The pre-approval means that the lender has identified you as a good prospect based on information in your credit report, but it is not a guarantee that you’ll get the credit. The lender wants more information, like your annual income.
Pre-approved offers are sometimes referred to more accurately as “prescreened.”
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