Preapproved credit offers?

My wife and I had both of our credit ratings lowered due to medical bills. We allowed a wage garnishment to go through on her wages in order to get them paid off. I am retired and recieve Social Security disability. We have are current on our mortgage payments, we have no credit cards, and no other loan payments. We have been advised to acquire a loan or a credit card to help raise our credit ratings. We now need a car loan and like credit card offers we recieve almost daily, we have also recieved an offer for auto financing which states we are preapproved. My question is how preapproved are you in these offers. They state that the preapproval is based on our credit information.

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