Personally I think it is a "singular version of a dice game" shoot.
It lowers your utilization, if that is high, and that is good.
A couple of inqs from the same CRA bad.
New credit - bad.
Mine went up 10, but then I have very few open cards (one store, one gas only, one gas MC, one airlines Visa and one CU visa total)
And only a large and a small mortgage. No auto or other installment
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid