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Quote from: debk on August 21, 2008, 09:39:31 AMBEG....I just called my lender and he said to do optoutprescreen.com.He did say that he's had some do it, where all it did was Increase the amount of offers they got.He said that the one client of mine that got 43 was the highest change that occurred, but that it usually is only in the 20's.He does a lot of "C" and "D" loans....rather he did more when the market was better....and does a lot with people who need to improve their credit before they can apply for a mortgage. He's done several loans for buyers that I have had over the last several years, so he's my "go to" for questions.Our credit score is actually quite good, in fact I would say excellent. I just want to get the junk mail and credit card offers to STOP. I am sick of shredding credit card offers all the time.
BEG....I just called my lender and he said to do optoutprescreen.com.He did say that he's had some do it, where all it did was Increase the amount of offers they got.He said that the one client of mine that got 43 was the highest change that occurred, but that it usually is only in the 20's.He does a lot of "C" and "D" loans....rather he did more when the market was better....and does a lot with people who need to improve their credit before they can apply for a mortgage. He's done several loans for buyers that I have had over the last several years, so he's my "go to" for questions.
Try this trick too BEG.Take the junk mail. Use a magic marker, obliterate YOUR address, but leave the return address nice and clear.Write "REFUSED" on the junk and drop it in the mailbox.They get hit with "postage due" when it is returned to them. They'll take you off their lists pretty quick.
0) PAY ALL DEBTS OFF EVERY MONTH. CARRY NO BALANCES!1) You should have no more than 4 Credit cards (AX, MC, Visa) and NO revolving credit lines -- Macy's etc.2) The older credit cards do you the most good. Do not close old cards.3) Use your credit cards, but only as a substitute for cash. You need to use, then pay off, credit to build your score up. SEE ITEM 0 above!4) PAY ALL DEBTS OFF EVERY MONTH. CARRY NO BALANCES!
Quote from: debk on August 21, 2008, 12:59:34 PMQuote from: BadCat on August 21, 2008, 12:54:14 PMTry this trick too BEG.Take the junk mail. Use a magic marker, obliterate YOUR address, but leave the return address nice and clear.Write "REFUSED" on the junk and drop it in the mailbox.They get hit with "postage due" when it is returned to them. They'll take you off their lists pretty quick.I've heard this is the most effective way to deal with all the junk mail. Yeah, if it's like a catalog you didn't want or ask for, they get dinged with first class postage on the return.
Quote from: BadCat on August 21, 2008, 12:54:14 PMTry this trick too BEG.Take the junk mail. Use a magic marker, obliterate YOUR address, but leave the return address nice and clear.Write "REFUSED" on the junk and drop it in the mailbox.They get hit with "postage due" when it is returned to them. They'll take you off their lists pretty quick.I've heard this is the most effective way to deal with all the junk mail.
