Thank you for reposting that! I was looking all over for your "levels". LOL, I have held just about every position from busboy up. No pay raise yet, though!
Starting Score: 583 EQ, 612 EX, 569 TU
Bad (480 to 549) (red) (rank: bum)
You're just one short step above untouchable. Your loan and credit applications will be fished out of the incoming mail cart with tongs by clerks dressed in full environment suits, and fed into the incinerator unread. Take heart though, because your class of FICO underachievers has driven a whole new area of innovation: the max fee credit card. Your statements arrive with postage due. In addition to the $1000 deposit for your $200 line of credit, you also have a membership fee, an account maintenance fee, an annual fee, a stamp-licking fee, a balance change fee, and a payment processing fee. Oh, and every time you read your paper statement or load the Web page with your electronic statement, that'll be a $2.99 statement reading fee.
You're just one short step above untouchable. Your loan and credit applications will be fished out of the incoming mail cart with tongs by clerks dressed in full environment suits, and fed into the incinerator unread. Take heart though, because your class of FICO underachievers has driven a whole new area of innovation: the max fee credit card. Your statements arrive with postage due. In addition to the $1000 deposit for your $200 line of credit, you also have a membership fee, an account maintenance fee, an annual fee, a stamp-licking fee, a balance change fee, and a payment processing fee. Oh, and every time you read your paper statement or load the Web page with your electronic statement, that'll be a $2.99 statement reading fee.
This is so funny - I'm a bum! LOL 
You won't be for long sassy. That's for sure. 
I was in the bum category too 7 months ago. Keep the faith honey, you'll get there.
Never ever, ever be late. Never
I was in the bum category too 7 months ago. Keep the faith honey, you'll get there.
Never ever, ever be late. Never