UPDATE... Alright, after some careful consideration and thorough research, I went ahead and accepted the invitation and sent them $200, and I will deposit more later. Any who I am in the discover family now!!!! Off to the garden since I shall remain there 9 months until I am ready to hit all the LUV buttons for my new lines of credit!!! Thank you everyone for your help.
I scoured Fico forums very heavily for the last two weeks and the info I have learned is absolutely priceless!!! I hope to get to know you all better and learn lots more!!!!
