What an idot

[Anonymous]

The following page put up by a mortgage brokr is the primary reason I find site like this and other sites that actually give correct information a godsend

http://www.wisconsin-mortgage-refinance.net/content/how_can_i_raise_my_credit_score_794.htm

This guy actually suggest closing cards with 50% balance and opting out of preapproved offers to bring your credit score up.  Both of which are BS.

[Anonymous]

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Brammy wrote:

The following page put up by a mortgage brokr is the primary reason I find site like this and other sites that actually give correct information a godsend

http://www.wisconsin-mortgage-refinance.net/content/how_can_i_raise_my_credit_score_794.htm

This guy actually suggest closing cards with 50% balance and opting out of preapproved offers to bring your credit score up.  Both of which are BS.

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I agree BS.........Some people might need to bring their UTL down but that is because when asking for a mortg. they also do debt to ratio. But it is bad advice to say close accounts.

[Anonymous]

The bad part is people will hit his site first and think he knows what he's talking about cause he's in the mortgage business.

[Anonymous]

yup   and a lot of people do not understand that debt/ratio involves more then just mortg.pmt and an auto loan.  I would like adds on tv for this site. They have all kinds of adds to get your credit reports & scores from everywhere but do not explain it.

[Anonymous]

Brammy:

He has an e-mail address at the top....


maybe you should help him see the light


Kevin

[Anonymous]

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@Anonymous wrote:

The following page put up by a mortgage brokr is the primary reason I find site like this and other sites that actually give correct information a godsend

http://www.wisconsin-mortgage-refinance.net/content/how_can_i_raise_my_credit_score_794.htm

This guy actually suggest closing cards with 50% balance and opting out of preapproved offers to bring your credit score up. Both of which are BS.

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"One of the best ways to improve your credit score is by removing your name from solicitation via [url]www.optoutprescreen.com[/url]. Creditors will no longer be able to query your credit and send you pre-approval for credit offers in the mail. Once these credit queries end, your credit scores will increase."

Must be some secret ESP scoring system to be able to read soft inq's. lol

[MidnightVoice]

With marginal credit, opting out can be considered a good thing on a manual review.

[Anonymous]

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MidnightVoice wrote:

With marginal credit, opting out can be considered a good thing on a manual review.

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Soft inquiries do not show on a manual review.  Only applications for new credit initiated by the consumer.

[MidnightVoice]

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Brammy wrote:

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MidnightVoice wrote:

With marginal credit, opting out can be considered a good thing on a manual review.

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Soft inquiries do not show on a manual review.  Only applications for new credit initiated by the consumer.

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I know.   But the fact that one has opted out does show, and this can be considered a plus by some lenders on a manual review