No joke, and I mean a nice bump, not just a couple of points or so for deleting a recent (90 day recent) inquiry. I'm going to try it tomorrow. Here's what I'm doing. Opt out from all 3 CRAs promo lists. Wait for the confirmation LETTER from all CRAs that I am opted out... Wait 90 days or so from date of letter. Recheck score. I've gotten this one from someone I trust but I haven't tried it yet. Anyone up for an experiment? Thinking about it logically, the CRAs say nobody else will SEE these inquiries. They don't say the PROMOs won't hurt our scores. BIG difference. And perhaps being able to get the PROMO offers is judged differently from the actual PROMO inquiries. I'm not sure what makes the score difference here. but Selling our names makes the CRAs money. Opting out hurts them... but I never did it because I judged my repairs by the mail I got. But let's face it, if you're reading this board you'll know what to apply for and when... so why let them sell you over and over??? It would almost also make sense that someone who Doesn't want the promos will be a better bet. They don't want extra credit offers. They'll be less likely to apply for new credit because they won't be innundated with offers. They'd have to be proactive, not reactive... these people won't see a great offer and go for it on a whim. They'll be less likely to get more credit. They'd also be less likely to jump ship. So if you're MBNA you're much less likely to lose your customer if they don't get FirstUSA solicitations all the time... When you look at it from this perspective, it makes statistical sense to give OPT OUT people higher scores. Now, how much??? do you say??? What's the reward for OPTING out? I won't say. I've heard a number. It sounds too good to be true. But I'm trying it. I'm not applying for the next year or so anyway. Certainly not before Jan. And I know what to apply for next. I don't need solicitations. Who's up for this experiment????