@dtk6802: I think they normally hit TU anyway.
Well there’s a couple ways to look at this right now your scores good because of 5% utilization but as time passes those inquiries are going to drop off and that’s going to raise your score as well and you say you’re going down to 30%. Well, I’d definitely go down to 29% and get that bump before I applied if I waited.
U.S. Bank is a conservative bank I don’t know how solid their pre-qualifications are, but if it’s got a good BT option and a good rate, it might be a good option.
Edit: does it say prequalification or preapproval? If you’re going to pull the trigger on it, you should do it before you lose those points, tho.