[mjrube94]

I have two questions: 1) How good is your credit score? If it's great, and drops 10 points it's probably not as big a deal as if it were bad and dropped 10 points. Also, do you anticipate needing credit (mortgage, car loan, etc.) in the near future? If not, it may be worth the drop in your score to save the $$. (Even if you don't think you'll need credit, auto insurance and other companies look at your credit when revising your rates, but I'm not sure what the impact would be).