psa: one can cancel and reapply every 9 days. the system will capture and keep your cc data so if one uses the automated system and does a cancel/re-apply the process takes >90 seconds. you do not have to change your username, the account will not be purged. the only thing that will have to be reset are the user alerts which takes >15 seconds. one can get a 3B refresh for n/c every 7 days. with doing a cancel and re-apply 4x a month ones gets a constant monitor and 4 new reports per month. total time >8 min. I have been doing a precision rebulid to the mid-700s so in my anal state this process has worked well for me but its not for everyone. I have been doing this since 2/16 so I don't think they care as $ 4 is better than $0 lol. I like the service and the report formats are good enough imo. good luck!
