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vickieleech

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what about being turn down for credit card when it shows the odds are good is that a hard hit?

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Yes, almost all credit applications are a hard inquiry.

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Do you go for every 'pre-approved' credit card offer you get in the mail?  The advertisers here pay for this site so we can enjoy it for free.  They also base their recommendations on the partial information available here, though the final decision is based on your full credit information. Go back and re-read t he articles here to learn how credit really works.  It helps a lot and is the purpose of Credit Karma.

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