11-28-2012 06:16 AM
11-28-2012 06:28 AM
Get a citi backed product, and they'll soft and send you stuff.
11-28-2012 06:33 AM
11-28-2012 06:36 AM
11-28-2012 06:56 AM
Hahahaa! Nooo!! Jeez? 17! Lol haha. I only use 5-6 of them. My util is <10%. I mostly pif btw :-p. Most of those cards have $0 bal. I think it may be bc I put myself on the "opt out" list back in '07 when my credit journey began! And only recently opted back in...I guess I do have some pretty good deals lol... I have enough 0% cred to last a lifetime, though I don't use it. Lollllzz
lol quality over quantity my friend, but regardless of your utility a lot of companies don't like excessive amount of cards, i opted back in 2 weeks ago and already recieved 5 pre-approvals from Discover lol
11-28-2012 07:40 AM
Once you opt back in, it can take a few months to start getting preapprovals. I probably have more cards than the OP, and I get them on a regular basis ( BOA, at least 2-3 per month, Fifth Third Bank, Nationwide Bank, etc.) I opted back in in June, didn't start getting pre-approvals until maybe August-Sept. I get them a couple times a week.
11-28-2012 07:11 PM
How do I opt in? Never knew I could opt out.
same way as opting out, but in reverse
11-28-2012 07:20 PM
Having to much credit can be a bad thing. Even if you don't use most of them.
Lenders look at it as you rely too much on credit and therefore are more risky than someone who has less credit.
But to your question, it may just take awhile for you to start getting them again (that is if your 17 plus cards hasn't scared them away lol) just like it takes awhile to stop getting them when you opt out.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.