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I Am Receving Offers From Credit Card Providers

rayosx profile photo
  • Tuesday, July 05, 2005 @ 02:55 AM EDT
  • 3 Comments

HI guys/gals

I have a big question, I have been pre approved for some offers that I receive via mail and my question is this:

Do they run my credit again to final approve me ?
If they run it, will it affect my fico lowering my numbers ?

I have read that those providers they run and run your credit but it doesnot affect on your fico score, so in this case of final approve , will it affect my fico score or not ? I am worried about that, I have a good fico score , middle fico score 723 and I am creating my credit with just two lines of credit, two credit cards, I want at least to have 3 credit cards to have more credit lines, is it a good advise to do it ?

thanks
Ray

Comments(3)

  • cjmazur
    cjmazur16th June, 2005

    yes they do run credit, and if you have a lot they ding your score.

    The 2 things I have pulling down my score are too many inquires, and high revolving balances.

  • rayosx
    rayosx17th June, 2005

    thanks for the answer, hm.....
    I will wait

  • rayosx
    rayosx5th July, 2005

    thanks for that ,

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