My buddy told me that there is a form or something that you can fill out regarding the credit card companys that states you donot what any credit card offers for a period of one year.Then once this paper work is filed with the credit report agencies a persons creit score will raise 25 points .So my question is how much truth and accuracy is there to this .

Do not know about that form but get this. If they offer you a card and you take it, your score improves because you now have more available credit.

There is no set # that your score will increase, but you can opt-out for 1year, 5 years, or permanently and they will no longer send you offers from "prequalified" credit cards or insurance policies. Realistically, 25 points isn't happening, but it's free and only takes a few minutes. I have website in my office, email me and I'll send it to u.

I put a post on this, it's in the "Tips" section of AMHD. Here is a link to that page, it has a link to the website where you can directly Opt out, and read up on whether you do or don't want to.

MORE INFO AND LINKS TO THE OFFICIAL SITE

Good luck!!