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Wolf3 wrote:

What about those who are planning to refinance a mortgage?  Is that in or out of the garden?

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if you take an inquiry to refinance your out but its a big reason to step out. and hopefully for the better. 

ANY hard pull will result in this. 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals: Freedom Signature Costco:True Earnings

Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000