Anonymous C joined in and replied with this 3 weeks ago, 7 hours later, 7 hours after the original post[^][v]#1,457,085
They're getting smarter about this stuff. I used to snag ok rates and my scores aren't terrible... less luck with accounting shenanigans too. My guess is they know the bottom will fall out on the economy soon and they are shoring up to avoid defaults.
Also avoiding 'preapproved' is generally recommended, your bank can give better service or rates and is less sketch.