Hello again...Last week, I opted-out to receive offers of...

[Mikey]

Hello again...Last week, I opted-out to receive offers of credit for 5 years using the CRA's hotline.  Seems like I've heard that doing this could add a couple of points to one's FICO scores.  Has anyone ever done this and checked to see if their scores went up?

Thanks, Mike

[Tuscani]

Opting out or in has no impact on your scores.

[MidnightVoice]

It can be a positive aspect of your credit if you ever have a manual review.

[Mikey]

Thanks for the information.  Guess I was thinking the inability to apply for approved credit would be positively viewed by the CRA's and they might throw a couple points my way.  Wishful thinking.  In any case, good to know a creditor or bank reviewing my report would look favorable at this.  Will something show up on my reports clearly stating that I have opted-out? 

Thanks, Mike

[MidnightVoice]

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Mikey wrote:

.Will something show up on my reports clearly stating that I have opted-out? 

Thanks, Mike

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It is in there somewhere.  When I joined my Credit Union the loan officer pulled my CR (EQ) and noticed it.

But I can't tell you exactly where!!

And I am staying opted out.  I can learn more accurate info here on what CCs there are, what to look for, who they pull etc, and from here I can make informed decisions