Many companies that solicit new credit card accounts and insurance policies use prescreening to identify potential customers for the products that they offer.
Prescreened offers or “preapproved” offers are based on information in your credit report, which indicates that you meet the criteria set by the offer. This, of course, may or may not be true!
Usually, prescreened solicitations come by mail, but you also may also get them over the phone or in an email. Read more