I would like to warn you of scammers offering poor credit loans especially pre-approved ones.  They would have tracked your number somehow.  In most cases, never answer anonymous loan offers.  At least I use some extra caution when such people call me for loans.

I would never give in my personal information or exact details of my requirement when I have to answer such calls.  I would get the contact details of the company, address of the company offering me poor credit loans over the phone, and also their contact number.

Then, I would do the extra homework of calling them back again relating to poor credit loans I require.  By doing this, I track back the reliability of the company by someone answering my needs to the point.  It would just cost the telephone bill.  Then, I would check their reliability on the internet.  This little caution can save lots of time and energy with scammers and in many stances identity fraud!