THAT is an excellent point.

I just checked on creditboards though and it seems like for Portland, OR Chase and Citi both bounce around between Equifax/Experian, and Barclay always does TransUnion, so either way I'll take the hit.

I've got 11 HP Equifax and 6 on TransUnion. I'm gonna have to think long and hard about whether it's worth it or not for this one.