Opt-in Opt-Out

[Anonymous]

You know I just checked my report & noticed my account is blocked from promotions!!!  I had no idea.  So maybe Comenity likes me & I have no idea? 

[CreditMagic7]

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@Anonymous wrote:

You know I just checked my report & noticed my account is blocked from promotions!!!  I had no idea.  So maybe Comenity likes me & I have no idea? 

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Yep.

You might want to be changing that so you can finally see what you're eligible for again.

[Anonymous]

I'm on it!  

[lord_kinbote]

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@Anonymous wrote:

You know I just checked my report & noticed my account is blocked from promotions!!!  I had no idea.  So maybe Comenity likes me & I have no idea? 

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Where did you find this information on your report and maybe a better question, where did you obtain your report?  Thanks 

[Anonymous]

Also... someone on here told me that while you are in credit repair, to opt OUT so creditors stop seeing your bad scores on promo SP's

I did this and FEEL like it worked but IDK.

I didnt like banks having a history of all my bad SPs.

Gdale any thoughts on this strategy?

[ojefferyo]

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@Anonymous wrote:

Also... someone on here told me that while you are in credit repair, to opt OUT so creditors stop seeing your bad scores on promo SP's

I did this and FEEL like it worked but IDK.

I didnt like banks having a history of all my bad SPs.

Gdale any thoughts on this strategy?

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Banks may do SP on you but I don't think they keep those SP for very long. 

[Anonymous]

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@Anonymous wrote:

Also... someone on here told me that while you are in credit repair, to opt OUT so creditors stop seeing your bad scores on promo SP's

I did this and FEEL like it worked but IDK.

I didnt like banks having a history of all my bad SPs.

Gdale any thoughts on this strategy?

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I think the logic is backwards... Opt OUT during rebuilding because JDB's use the list. IE -- you burned a creditor, JDB is considering buying the debt. They SP you, see you are in a better position, buy the old debt, then try to collect.

[Anonymous]

I used EQ since you can get your Fico anytime if you want for an additional 19.95.  I can look at my reports much better than The Fako Creditkarma.  And most of my HP's are on EQ.  Good for monitoring too.  

[gdale6]

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@Anonymous wrote:

Also... someone on here told me that while you are in credit repair, to opt OUT so creditors stop seeing your bad scores on promo SP's

I did this and FEEL like it worked but IDK.

I didnt like banks having a history of all my bad SPs.

Gdale any thoughts on this strategy?

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Its not a bad thing while you are trying to get your CR cleaned up, it does stop promotional SPs and anyone else who is not a current creditor of yours. It also stops data miners from getting your info and I think that is the main reason for doing so.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Also... someone on here told me that while you are in credit repair, to opt OUT so creditors stop seeing your bad scores on promo SP's

I did this and FEEL like it worked but IDK.

I didnt like banks having a history of all my bad SPs.

Gdale any thoughts on this strategy?

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I think the logic is backwards... Opt OUT during rebuilding because JDB's use the list. IE -- you burned a creditor, JDB is considering buying the debt. They SP you, see you are in a better position, buy the old debt, then try to collect.

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aahhh ok maybe thats what I read.... you dont want to the debt collectors to see your better position. Well I didnt have any anyway.