Question about opting out

[Shellie]

I opted out a while back, not sure of the exact date.  Couple months.  I can not get a CLI ffom BML at all. When they send the denial letter it says the score is from 04/23/2014 when I was sitting at 580-something.  Could the fact that I opted out be causing this? 

[core]

Opting out shouldn't have anything to do with it.  They're just going by the last soft pull they have stored for you and they pull on their own schedule.  I don't have a BML account so I can't check my own softs, but if it's anything like other Comenity cards 3+ months at least between pulls is what I would expect.  I'd hit the button again after your next statement and see if the date changes.  This is assuming your account wasn't opened just a few short months ago, of course.  Or you could monitor your softs and hit the button after they pull you.

[Anonymous]

Opting out of pre-screened credit offers means just that; companies that code their credit report request as a credit pre-screen will be denied access. It will not prevent any requests relating to accounts you already have, such as routine checks or checks for a credit line increase, nor does it affect credit requests initiated by you (as from a credit application) or for other reasons, such as renting. If you don't want pre-screened credit offers, there really is no reason not to opt out, because it cannot interfere with anything else--it's a very limited tool.