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    <title>topic Re: Welcome our new Community Leaders! in User Guidelines &amp; General Information</title>
    <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1413544#M167</link>
    <description>&lt;blockquote&gt;&lt;hr&gt;JoeBro wrote:&lt;br&gt;&lt;p&gt;Welcome Community Leaders!&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;May you please help a newbie out? I'm new to the world of Credit (and to this website). I'd like to know where I can post/talk about my TU report. I got my free TU and EX reports last night from ﻿﻿﻿&lt;a href="http://www.annualcreditreport.com/" target="_blank"&gt;http://www.annualcreditreport.com/&lt;/a&gt; (I don't know what happened to my EQ report, was I supposed to get it as well?)&lt;/p&gt;&lt;p&gt;Any and all help would be greatly appreciated :smileyvery-happy:. I took my TU report and made an excel sheet on all my accounts that have been opened, would it be OK for me to upload it for you to see what I'm dealing with? (no personal information is in the sheet)&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Thank you!&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;Hi JoeBro,&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Welcome! I strongly recommend posting in the Rebuilding Your Credit board. There are some great posters over there who are actively engaged in rebuilding their credit, or those that went through it and are looking to pay it forward and help others. Unfortunately there isn't an ability to upload spreadsheets, and you may not want to anyway even if you could. In my time posting here, I found that the best responses involved posting 1-2-3 issues tops per thread and splitting it up that way, and doing so over time (2-3 days or so, or as needed). Myself and others started here posting everything on our credit reports and those reading these posts tend to glaze over it due to the sheer amount of info posted. I think one of my first threads is still lurking on here asking for help....without a single response.&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Annualcreditreport is an awesome first start. If you want to know where you stand per FICO, then I recommend pulling both FICO reports. If you have lots happening on your CRs during this repair process, I also strongly recommend subscribing to a credit monitoring service like EIDT or USAA's service. And of course ignore the scores from those sites as they are not FICO scores.&lt;/p&gt;</description>
    <pubDate>Wed, 23 May 2012 00:55:32 GMT</pubDate>
    <dc:creator>llecs</dc:creator>
    <dc:date>2012-05-23T00:55:32Z</dc:date>
    <item>
      <title>Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/700025#M32</link>
      <description>&lt;p&gt;Hello FICO Forums members,&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;I’m happy to announce a new role within the FICO Forums community beginning today.  It’s called Community Leader.&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Our new Community Leaders will do the following:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;Welcome new members by helping them navigate through the community and by directing them to useful information as they get started here;&lt;/li&gt;&lt;li&gt;Read all new posts daily to make sure they’re posted to the appropriate thread and are following our Terms of Service and other guidelines;&lt;/li&gt;&lt;li&gt;Inform the Moderators of any need for their intervention, i.e. moving/editing/removing posts as well as providing technical or other assistance.&lt;/li&gt;&lt;/ul&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;The following Forum member has been chosen by our Moderator team as one of our Community Leaders:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;laz98&lt;/li&gt;&lt;/ul&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;You’ll be able to identify a Community Leader by their ranking and star appearing under their screen name and to the right of their avatar.&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;If any of you think you might be interested in becoming future Community Leaders, please send me a private message.  I’ll also attempt to answer any questions about the Community Leader role here if you’d like to reply to this post.&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;-Barry&lt;/p&gt;</description>
      <pubDate>Fri, 06 Apr 2012 22:23:23 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/700025#M32</guid>
      <dc:creator>Barry</dc:creator>
      <dc:date>2012-04-06T22:23:23Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/700523#M33</link>
      <description>&lt;p&gt; &lt;/p&gt;&lt;blockquote&gt;&lt;hr&gt;&lt;blockquote&gt;Barry wrote:&lt;/blockquote&gt;&lt;p&gt;The following Forums members have been chosen by our Moderator team as our first Community Leaders:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;beamMEup&lt;/li&gt;&lt;li&gt;guiness56&lt;/li&gt;&lt;li&gt;haulingthescoreup&lt;/li&gt;&lt;li&gt;marinevietvet&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;-Barry&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;&lt;font size="3"&gt;&lt;em&gt;&lt;strong&gt;Congratulations&lt;/strong&gt;&lt;/em&gt;&lt;/font&gt; to our new Community Leaders!  Outstanding choices, all!&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;&lt;em&gt;&lt;font size="1"&gt;(Psst...Barry...did you mention to them that they also get to buy the donuts?)&lt;/font&gt;&lt;/em&gt; :smileyvery-happy:&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;</description>
      <pubDate>Tue, 27 Jul 2010 12:59:39 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/700523#M33</guid>
      <dc:creator>Uborrow-Upay</dc:creator>
      <dc:date>2010-07-27T12:59:39Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/700785#M34</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;Barry wrote:&lt;br&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;The following Forums members have been chosen by our Moderator team as our first Community Leaders:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;haulingthescoreup&lt;/li&gt;&lt;/ul&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;-Barry&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;I see HUTSU could not really keep away  :D&lt;/p&gt;</description>
      <pubDate>Tue, 27 Jul 2010 18:18:26 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/700785#M34</guid>
      <dc:creator>MidnightVoice</dc:creator>
      <dc:date>2010-07-27T18:18:26Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/700883#M35</link>
      <description>&lt;p&gt;Well, ya know... :D&lt;/p&gt;</description>
      <pubDate>Tue, 27 Jul 2010 19:52:25 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/700883#M35</guid>
      <dc:creator>haulingthescoreup</dc:creator>
      <dc:date>2010-07-27T19:52:25Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/701055#M36</link>
      <description>&lt;p&gt;Congratulations all on your promotion!&lt;/p&gt;</description>
      <pubDate>Wed, 28 Jul 2010 00:34:30 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/701055#M36</guid>
      <dc:creator>DI</dc:creator>
      <dc:date>2010-07-28T00:34:30Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/837514#M43</link>
      <description>&lt;p&gt;This is my first post here, I was trying to take the &amp;quot;MyFico Fitness Challange&amp;quot; but I could not reply in that thread, just wanted to see if I could reply here.&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Congrats to the new Community Leaders!!&lt;/p&gt;</description>
      <pubDate>Sun, 06 Feb 2011 17:16:12 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/837514#M43</guid>
      <dc:creator>Mustanglvr2006</dc:creator>
      <dc:date>2011-02-06T17:16:12Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/837598#M44</link>
      <description>&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;blockquote&gt;
&lt;hr /&gt;
Mustanglvr2006 wrote:&lt;br /&gt;
&lt;p&gt;This is my first post here, I was trying to take the "MyFico Fitness Challange" but I could not reply in that thread, just wanted to see if I could reply here.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Congrats to the new Community Leaders!!&lt;/p&gt;
&lt;hr /&gt;
&lt;/blockquote&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Hi Mustanglvr2006,&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Welcome to the MyFico forums.&amp;nbsp; I see you were able to post in the &lt;strong&gt;MyFico Fitness Challange for 2011&lt;/strong&gt;.&amp;nbsp; The &lt;strong&gt;MyFico Fitness Challange for &lt;u&gt;2010&lt;/u&gt;&lt;/strong&gt; has been locked and no new post are allowed in that thread.&amp;nbsp; &lt;/p&gt;</description>
      <pubDate>Sun, 06 Feb 2011 19:11:42 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/837598#M44</guid>
      <dc:creator>mod-moose</dc:creator>
      <dc:date>2011-02-06T19:11:42Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/837890#M45</link>
      <description>&lt;p&gt;Thanks mod-moose thats probably where I was, The MyFico Fitness Chalange for 2010 when I meant to be in the 2011 Forum.&lt;/p&gt;</description>
      <pubDate>Mon, 07 Feb 2011 16:40:04 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/837890#M45</guid>
      <dc:creator>Mustanglvr2006</dc:creator>
      <dc:date>2011-02-07T16:40:04Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/951950#M50</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;MidnightVoice wrote:&lt;br&gt;&lt;blockquote&gt;&lt;hr&gt;Barry wrote:&lt;br&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;The following Forums members have been chosen by our Moderator team as our first Community Leaders:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;haulingthescoreup&lt;/li&gt;&lt;/ul&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;-Barry&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;I see HUTSU could not really keep away  :D&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;&lt;br&gt;&lt;font face="comic sans ms,sans-serif"&gt;Midnight, even she wants to ~ we won't let her go!     She is too important for us  :smileywink:&lt;/font&gt;&lt;/p&gt;</description>
      <pubDate>Tue, 21 Jun 2011 06:30:32 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/951950#M50</guid>
      <dc:creator>bunnyrabbit</dc:creator>
      <dc:date>2011-06-21T06:30:32Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1163275#M110</link>
      <description>&lt;p&gt;We have a brand new Community Leader who has always been helpful with new members and patient with new&lt;u&gt; and&lt;/u&gt; older ones  :smileywink: &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Welcome&lt;strong&gt; laz98&lt;/strong&gt; to her new position and please give her the support she deserves.&lt;/p&gt;</description>
      <pubDate>Sun, 15 Jan 2012 21:50:24 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1163275#M110</guid>
      <dc:creator>MarineVietVet</dc:creator>
      <dc:date>2012-01-15T21:50:24Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1165679#M111</link>
      <description>&lt;p&gt;Rock on, laz!!!!!!!!!:smileyvery-happy:&lt;/p&gt;</description>
      <pubDate>Tue, 17 Jan 2012 03:37:50 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1165679#M111</guid>
      <dc:creator>fused</dc:creator>
      <dc:date>2012-01-17T03:37:50Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1165893#M112</link>
      <description>&lt;p&gt;:smileyhappy:   Thanks!&lt;/p&gt;</description>
      <pubDate>Tue, 17 Jan 2012 05:56:29 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1165893#M112</guid>
      <dc:creator>laz98</dc:creator>
      <dc:date>2012-01-17T05:56:29Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1171343#M113</link>
      <description>&lt;p&gt;&lt;span&gt;Congratulations laz98!   I know you'll shine as bright, as star next to your name.&lt;/span&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;&lt;span&gt;You'll make a great CL:smileyhappy:&lt;/span&gt;&lt;/p&gt;</description>
      <pubDate>Thu, 19 Jan 2012 22:20:05 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1171343#M113</guid>
      <dc:creator>LIGHTNIN</dc:creator>
      <dc:date>2012-01-19T22:20:05Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1185421#M114</link>
      <description>&lt;p&gt;So glad to see it - laz98 is always top notch!&lt;/p&gt;</description>
      <pubDate>Thu, 26 Jan 2012 18:21:11 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1185421#M114</guid>
      <dc:creator>beamMEup</dc:creator>
      <dc:date>2012-01-26T18:21:11Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1195719#M115</link>
      <description>&lt;p&gt;Way to go. laz!&amp;nbsp; Glad to have you on the CL team!&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;-Barry&lt;/p&gt;</description>
      <pubDate>Tue, 31 Jan 2012 20:33:31 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1195719#M115</guid>
      <dc:creator>Barry</dc:creator>
      <dc:date>2012-01-31T20:33:31Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1195741#M116</link>
      <description>&lt;p&gt;Go, laz!!!&lt;/p&gt;</description>
      <pubDate>Tue, 31 Jan 2012 20:43:58 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1195741#M116</guid>
      <dc:creator>haulingthescoreup</dc:creator>
      <dc:date>2012-01-31T20:43:58Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1207717#M117</link>
      <description>&lt;p&gt;:smileyhappy::smileyhappy::smileyhappy: love this place!&lt;/p&gt;</description>
      <pubDate>Mon, 06 Feb 2012 20:43:23 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1207717#M117</guid>
      <dc:creator>laz98</dc:creator>
      <dc:date>2012-02-06T20:43:23Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1395234#M165</link>
      <description>&lt;p&gt;I agree this place rocks!!!&lt;/p&gt;</description>
      <pubDate>Fri, 11 May 2012 09:06:05 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1395234#M165</guid>
      <dc:creator>BigDaddy18</dc:creator>
      <dc:date>2012-05-11T09:06:05Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1413392#M166</link>
      <description>&lt;p&gt;Welcome Community Leaders!&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;May you please help a newbie out? I'm new to the world of Credit (and to this website). I'd like to know where I can post/talk about my TU report. I got my free TU and EX reports last night from ﻿﻿﻿&lt;a href="http://www.annualcreditreport.com/" target="_blank"&gt;http://www.annualcreditreport.com/&lt;/a&gt; (I don't know what happened to my EQ report, was I supposed to get it as well?)&lt;/p&gt;&lt;p&gt;Any and all help would be greatly appreciated :smileyvery-happy:. I took my TU report and made an excel sheet on all my accounts that have been opened, would it be OK for me to upload it for you to see what I'm dealing with? (no personal information is in the sheet)&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Thank you!&lt;/p&gt;</description>
      <pubDate>Tue, 22 May 2012 23:33:58 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1413392#M166</guid>
      <dc:creator>JoeBro</dc:creator>
      <dc:date>2012-05-22T23:33:58Z</dc:date>
    </item>
    <item>
      <title>Re: Welcome our new Community Leaders!</title>
      <link>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1413544#M167</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;JoeBro wrote:&lt;br&gt;&lt;p&gt;Welcome Community Leaders!&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;May you please help a newbie out? I'm new to the world of Credit (and to this website). I'd like to know where I can post/talk about my TU report. I got my free TU and EX reports last night from ﻿﻿﻿&lt;a href="http://www.annualcreditreport.com/" target="_blank"&gt;http://www.annualcreditreport.com/&lt;/a&gt; (I don't know what happened to my EQ report, was I supposed to get it as well?)&lt;/p&gt;&lt;p&gt;Any and all help would be greatly appreciated :smileyvery-happy:. I took my TU report and made an excel sheet on all my accounts that have been opened, would it be OK for me to upload it for you to see what I'm dealing with? (no personal information is in the sheet)&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Thank you!&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;Hi JoeBro,&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Welcome! I strongly recommend posting in the Rebuilding Your Credit board. There are some great posters over there who are actively engaged in rebuilding their credit, or those that went through it and are looking to pay it forward and help others. Unfortunately there isn't an ability to upload spreadsheets, and you may not want to anyway even if you could. In my time posting here, I found that the best responses involved posting 1-2-3 issues tops per thread and splitting it up that way, and doing so over time (2-3 days or so, or as needed). Myself and others started here posting everything on our credit reports and those reading these posts tend to glaze over it due to the sheer amount of info posted. I think one of my first threads is still lurking on here asking for help....without a single response.&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Annualcreditreport is an awesome first start. If you want to know where you stand per FICO, then I recommend pulling both FICO reports. If you have lots happening on your CRs during this repair process, I also strongly recommend subscribing to a credit monitoring service like EIDT or USAA's service. And of course ignore the scores from those sites as they are not FICO scores.&lt;/p&gt;</description>
      <pubDate>Wed, 23 May 2012 00:55:32 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/1413544#M167</guid>
      <dc:creator>llecs</dc:creator>
      <dc:date>2012-05-23T00:55:32Z</dc:date>
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