I was pre-approved for Bill Me Later just this morning. I have been eyeing a new futon cover as mine is decimated but I would probably have bought the thing in a couple of weeks when I got paid next rather than getting it today, but I figured with the pre-approval and an extra $20 from Ebay . . . why not?
So I went ahead and bought the futon cover and filled out the info that Bill Me Now wanted so it could approve me. It came right back with an instant denial. I don't know how my credit score could have changed from THIS MORNING to this afternoon . . . I don't have perfect credit but it's pretty darn good. I didn't want to get denied for credit or I would not have bothered if I thought there was a chance I would be denied. Avoid this company like the plague it is!