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Originally Posted by longhorn11
(Post 19108815)
You initially sign up at full price, wait a few months and call them back. Just tell them you're looking to cancel as you found a different service for less. They knock off 50% for 12 months. Excellent deal IMO.
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Quick update now that the dust has settled. I checked to see what banks pulled what credit reports.
Experian (4 total hard inquiries): 30k SPG points personal / 75k MR pt Amex Gold Business (combined into 1) Transunion (1 inquiry):2 x 50k HHonors Pts Citi Hilton (combined into 1) 50k BofA Virgin Atlantic (showed as B of A) 35k Hawaiian Air Bof HI (Showed as FIA Card services) 40k pts Barclay US Airways Equifax (1 inquiry):Chase SW personal/business (combined into 1, this is also strange because back in Jan/Apr they pulled Experian) Also, my Credit Karma score went from 783 -> 782 (-1 pt).All in all, this was about what I expected. I'm probably going to have to lay off Experian for awhile since I have 8 total inquiries now from the last year. I'm glad Chase is pulling Equifax in MD now though. Is 8 inquiries getting to the tipping point, or do people have more than that and still get approved for credit cards/loans relatively easy with a decent score? By the way, FTG had a good post today on getting your credit reports/scores for free or close to that. I had no idea you could get a 2nd free credit report per year per agency depending on your state. Obtain Your Credit Score And Report For Free |
Here's a little update on my credit scores. I also applied for the 100k Amex Plat and the Chase Ink Plus in January, so take that into account. Experian/TU/EQ all pulled with Citi IdenityMonitor.
Date PSECU (FICO) Experian I Karma Transunion I Sesame Equifax Jul-12 777 --- I 783 --- I 816 --- Aug-12 777 --- I 783 --- I 817 --- Sep-12 755 750 I 783 783 I 817 775 Oct-12 728 739 I 783 786 I 817 745 Nov-12 747 739 I 785 781 I 817 745 Dec-12 747 739 I 785 781 I 809 749 Jan-13 748 739 I 785 781 I 817 745 Feb-13 760 750 I 784 777 I 817 760 Mar-13 747 739 I 792 781 I 749 |
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