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A side note / question... How did you maintain a 740 EQ with 85% UTL???
Earlier this year after a change from being employed to running our biz full time, I went from 745 (0% UTL) to 612 (65% UTL) I have now rebounded only to 676 after paying off 20K and being 20% UTL!!! Nothing has changed... I have more age, no new accts. since 11-08, no INQ's etc... You seem to be golden...