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Probably would be higher but we apply for A LOT of credit cards (just for the fun of it), and apparently, everytime your report is accessed it lowers your score somewhat.
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YOU are not spouting off about it, telling other people what they should and shouldn't do.
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Do you understand that FICO scores are based on the credit report used to generate the score , so its possible (likely) you will have three different scores, one for each of the 3 major credit agencies?
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