Also, once you opt back in, it takes a while for it to percolate through the system, it seems. I know that after I opted back in (before the current meltdown) it took 4 or so weeks for the junk to start re-appearing.
I still get something every once in a blue moon, but nothing like before. Oh, HSBC, where are all those "pre-approvals" for the GM CC? * wipes away single tear *
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007