@RobertEG wrote:
A debt collector cannot pull your CR under the pre-screening provision of FCRA 604(c).
Anyone obtaining your CR under that provision must certfy that it is the purpose of making the consumer a firm offfer for credit.
Opting out wont prevent a debt collector from pulling your credit report. The have separate permissible purpose for collection on a debt.
Government insured or guanranteed student loans have their own credit report exclusin periods, which are longer than the normal periods.
For details, check out the footnote under FCRA 605(a), which references the extension of those exclusion periods under the Higher Education Act.
Thanks RobertEG for clarifying
Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
