I noticed that the credit union did a soft inquiry on Experian in June via Creditexpert. Yesterday, I received two preapproved loans in the mail. This morning I visited the credit union and accepted my $3,000 increase on the visa card that I have had for 18 months. My new limit is $6,000. No hard inquiry as it was preapproved. My apr. dropped to 12.4% from 13.9 because I crossed the $5K threshold. I declined the preapproved $25K auto loan at 7.7%. Don't need it. The conclusions, I have made are - 1. I like credit unions. In most cases, they are much more friendly to customers than banks. 2. My EX report has no negatives now. However in June there were still 2 BK discharged accounts on EX. Yet the credit union approved me for the two loans. I suspect my FICO score was in the 660's because of the 2 negative accounts and 12 hard inquiries. 3. Last week I nearly called 1-800-5-OPTOUT. I am glad I didn't because I am sure that I will get more offers. I hope Marie and others get a significant boost in score in 90 days by doing this. I'll also do it in 2003 when I buy a home if OPTING OUT does any good.