I received a prescreened offer from SoFi to refinance my parent plus loans. I applied and was declined. The adverse action principal reasons provided stated : Delinquent past or present credit obligations with others. It would appear as though SoFi 's prescreen criteria is " tighter '' than their post-screen criteria. Meaning all of the previous delinquencies noted on my credit bureau are older than 2 years, so they were clearly they tradelines in question were there at the time of prescreening. You should not be declining based on information that is readily available at the time of prescreening, or do n't send out a prescreened offer. 

Additionally today I received another prescreened offer from SoFi for a personal loan up to {$93000.00}. 

I do not believe SoFi understands the purpose of prescreening individuals and direct marketing to them. I could understand if something changed with regard to my bureau report or my income ( ability to pay ) but that 's not the adverse action stated.