And since you're new, if you need help translating ByrdMan's excellent advice, check the Guide to Common Abbreviations at the top of this board!
Although it sounds like you've already picked up a good bit. Good luck!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007