Nixon wrote:The sarcasm is a natural thing with me and I can safely say it will not be going away.
The hidden references to MS or B* I have a pretty good idea to stay away from based on a heads up PM I received.
The bureau freezing as I've said is a protective measure and I'll always defend it. (Soon not to matter as much because B* getting much harder to do overall) - I understand they don't like anything that cuts into their business over there (Can't pull a report, Can't pay FICO for a score), However on the flipside I constantly recommend scorewatch when others bash it.
(1) w.r.t. sarcasm: good for you.
(2) w.r.t. hidden references: even better.
(3) w.r.t. bureau freezing: they should openly admit that they only admonish freezing before apps to protect FICO's financial interests.
Let's be honest. Banks aren't fools. Cap One, for e.g., would pull the one bureau that's not frozen, do the HP, deny you, say it's because the others were frozen, ask you to unfreeze them, and good chance pull that old bureau once again as a part of the 3-pull shenanigans. Other banks may either deny you or offer a lower SL than otherwise when they're forced to pull a bureau that they would not have otherwise. They know how to save their behind very well. So it's not about the banks.
I have my reports frozen. Helps me garden in peace
AMEX BCE | PRG || Barclaycard Sallie Mae || Capital One QuickSilver | Venture || Chase Freedom | Sapphire Preferred || Citi Dividend || Discover It || UFCU Great Rate || US Bank Cash+ #1 | Cash+ #2 | Club Carlson Plat | REI || Total CL $144.2k + PRG NPSL, not counting AU