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Should I opt back in??

Established Member

Should I opt back in??

I opted out when I was house hunting last year, and now that I have my home I was thinking maybe I should opt back in to see what kind of CC offers I get. Should I? Is it a good or bad idea?

I am hoping to get a couple of "prime" CC's to throw into the mix as soon as I can get my util down a little more. Who knew there was so much stuff you need when you first buy your own home!


Thanks for any input you can give me!

Starting Score: TU 754 EQ 705 EX 680 (AmEx pull)
Current Score: TU 754 EQ 711 as of Jan 28, 2013 EX 680
Goal Score: 800 across the board with utilization down from 28%

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Moderator Emeritus

Re: Should I opt back in??

I'm opted out and staying opted out!!!  Do you really need to buy all that stuff on credit?  Just thinking, but congrats on your new home!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
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