It's ok as a guide only! Info is way off what it actually is. The offers they get kickbacks for because they say you have an excellent chance of getting will trash your credit with hard inquiries even when it's supposed to be a soft pull. The advice you get is often not accurate and it's just another company trying to make a buck. The credit bureaus are a scam to keep the general public where they are so the rich get richer, and the rest...well you understand. Have a great day 👍