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I joined with myFico at the beginning of the year. During that time, due to all of the information on this board, I have been able to raise my credit score about 100 points and purchase my first home. I have also applied and been approved for Chase Freedom, Discover, NFCU, and Amex Blue. I just wanted to thank everyone for all of the valuable information provided. I know that I would not be where I am without you! MANY THANKS!