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  1. If at first you don’t succeed, you have nothing to lose by trying again…and aiming higher. (Caveat: some have incurred additional HPs in recon attempts. YMMV.) Two weeks ago I went into my local branch of a large regional bank (operating in 16 states) to close a checking account I was seldom using. The Team Leader who always helps me told me he could run a pre-qualifying credit card app, and while I was reasonably certain it wouldn’t work (I’m opted out), I also know they are primarily a TU puller – odds were in my favor that there wasn’t much to lose. I rightly guessed that my “soft, pre
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