@MarineVietVet wrote:Opting out inhibits baddies like CAs from sniffing around your reports at mortgage time. The CRAs sell your info and if so subscribed, the CA will get alerted if an inquiry appears from a mortgage lender or the like. In turn, the CA might opt to report knowing that most lenders will require you to take care of that debt first. Opting out prevents the CA from receiving that info.
With thanks to llecs who I stole that from.
From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800, 10/10-813
TU - 10/10-774
You can do the same thing with hard work
Opting Out makes me feel all warm n fuzzy inside 
Starting Score: 615