For those who have done this... I did notice they've got a clause saying they can give my info to affiliates and that they also can look at my credit. I smell multiple inquiries... Did you guys get your credit shopped??? If so, I'm not doing it. I'm really curious about their suggestions and the points increased with them.. but not if it will cause a lot of harm to my score. 1 inquiry I can stand. More than that I can't. Input? Oh, does anyone know which banks actually use this score system???