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rifleman wrote: what effect do cell phone inq's have on FICO?
Same as any other inqs. But if you revamp your families disparate cell phones to get them all on one plan by doing the logical and cost effective thing - waiting untill each old plan has expired - you get a bunch of inqs which the silly computer thinks means that you are desperatly seeking credit.
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