Why was I denied even though I received an offer code?

The offer code you received was part of a prescreened campaign conducted using information from a consumer reporting agency, in accordance with the Fair Credit Reporting Act (FCRA). This type of offer means you met the minimum criteria at the time the prescreen was conducted. However, your eligibility is still subject to verification. If you wish to opt out of receiving prescreened offers from Point or other financial institutions, you may do so by calling 1-888-5-OPT-OUT (1-888-567-8688) or visiting www.optoutprescreen.com, where you can opt out for five years or permanently. For more information about prescreened offers, you can visit the Federal Trade Commission’s website.