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ok i am trying to improve my profile. i got a couple of credit limit increases havent asked for them in over 2 years.
I wanted to know if they ever hurt you. all were SP. trying to reduce my utilization some my scores in my sig are the most current.
Overall goal to reduce debt and secure the best rate for home loan. Literally dont use my cards much. just keep them active from going dormant. Thanks in advance. Last time i was this involved with my credit scores was when it was so low i couldnt pay attention. highest its been in over 11 years. come a long way.
Only thing I can think of being hurtful is if one is in a postion of actually needing them and continuing to run up debt. If they are SP there is no drawback that I can see.
Soft pulls do not affect your credit.