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Amex Delta 5.5k (AU) BBVA Compass $5k! SFCU $2k, SFCU LOC $2k, Paypal Smart Connect $2k, Discover iT 1.7k, Kay's $1.7k., Amazon $1.5k, Walmart $1.5k, Capital $1.5, Capital (AU) 1k. Macy's $1.2k, BestBuy RZ $700 SD, Victoria Secret $590 Capital $500, JC Penny $500 SD Credit 1 $450 CLOSED! Target $200 SD, 76/Citi $200 SD,
Starting Score: TU 660 EQ 623 EX 644
Mickey11 wrote:
What are the pros and cons of doing this? Should I opt out if I'm preparing to get a mortgage?
Experts in the mortgage forums say to opt out before a mortgage app in order to minimize the chances of a rogue CA seeing ur mortgage search info and trying to "swoop in for the kill" at the last moment. U want no pulls on ur credit when ur shopping for a mortgage or trying to get approved. Opting in allows companies to soft pull ur info - u def dont want that if ur home shopping. . .
Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012 
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