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Donks, I'm glad to hear all of your positive stuff. Do you already own a house? If not that will be the next positive step for you and your soon-to-be husband! I'm impressed that you brought your score up that much in such a quick amount of time.
I'm glad so many of you had positive years and I'm so happy I found this board; the knowledge you all have given me will really turn a lot of things around for me (I hope *fingers crossed*)
HAPPY NEW YEAR EVERYONE!!!!