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Originally Posted by gresch
plus, every time one of these dbag institutions sends you another "pre-approved" credit card app, they've checked your credit first, and we all know that every time your file is accessed it drops your rating, so opting out is a good thing.
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Allegedly, the only "hits" that adversely affect your score are when you allow someone to run your credit report: for example when you apply for a Penney's card or a line of credit at the bank or a credit line increase on a current revolving account. If it were otherwise, we could all take a 200 point tumble in a day.
Opting out is still a VERY good thing for anyone's credit score in the end
If you need credit, you know where to get it IMHO.