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Ulan wrote:
@Anonymous wrote:btw, if we choose to not activate a particular card, that account will vever be reported to the cra's, correct?
Well, you already get the hit for the inquiry, and if all that's missing is the activation, I would also expect it to report. It depends a bit on the issuer. I heard that some cards come pre-activated, anyway, regardless what they tell you.
well, if the accounts will report, we'll activate them all.
i don't think you were reffering to our situation as "buyers remorse", because that's not the case. it's just that some of the offers are better than others. "cherry-picking" would be a better term for how we are feeling right now.
Seems to me that if you have the credit you want, you use it wisely, you don't want any more credit, what would be the difference if you lose those points? It can be just a numbers game, with no return on investment in keeping 800s if you don't use your credit. Other than being ABLE to get new credit (and keep your credit limits) what are FICO scores for?
I don't see a down side to getting those TLs now and using them carefully, especially if you don't think you need to buy a house or a car for a few years.
thelopez08 wrote:
well, if the accounts will report, we'll activate them all.
i don't think you were reffering to our situation as "buyers remorse", because that's not the case. it's just that some of the offers are better than others. "cherry-picking" would be a better term for how we are feeling right now.
update: just received equifax score watch alert. discover pulled eq and dropped my score 3 points. i'm thinking that if the others had pulled eq, i would have been notified, don't you thnk? i actually wouldn't mind if the balance of them hit ex, 'cause then i'll freeze them and maintain "good" eq and tu scores.
keeping my fingers crossed it plays out like that...
so far, here is the inq spread:
amex blue -> EX -> approved
citi -> EX -> approved
chase -> EX -> approved (had to ask for recon based on denial due to # of inq's)
local bank -> EX -> still being processed
discover -> EQ -> approved
local cu -> ? -> still being processed
i like the way this played out, wouldn't you agree? nothing touched our highest score from tu! so now, the question becomes what the impact will be when the new tl's report?
also, i froze experian today. in the future, i will not do business with anyone pulling exclusively (with exception of any potential mortgage is suppose) from them...
@Anonymous wrote:so far, here is the inq spread:
amex blue -> EX -> approved
citi -> EX -> approved
chase -> EX -> approved (had to ask for recon based on denial due to # of inq's)
local bank -> EX -> still being processed
discover -> EQ -> approved
local cu -> ? -> still being processed
i like the way this played out, wouldn't you agree? nothing touched our highest score from tu! so now, the question becomes what the impact will be when the new tl's report?
also, i froze experian today. in the future, i will not do business with anyone pulling exclusively (with exception of any potential mortgage is suppose) from them...
An interesting attempt at a boycott. Too bad it will be of little effect other that to severely limit your credit choices.
Would you kindly post your approved CL from Discover when you know it? Many here will be interested to know.
in case you havn't noticed, i really don't need any more credit...
i've decided not to disclose individual account #'s, but so far, we are over 20k in total.
jmbfl wrote:
An interesting attempt at a boycott. Too bad it will be of little effect other that to severely limit your credit choices