Thanks to you all

[Anonymous]

for the great advice, GW examples etc.  I am now Baddie free on all three reports with scores of

769 TU 760 EX 722 EQ (last baddie came of today).

[indyhotmama]

Good job and congrats.

[Anonymous]

excellent!

[Anonymous]

wtggggggg.

[Anonymous]

Good for you.............

[Anonymous]

totally awesome, congratulations on a job well done......

[Anonymous]

Fantastic. It feels good doesn't it

[Anonymous]

Congrats!!!

[fused]

Excellent!

[Anonymous]

Thanks for all the kind words.  Yes it does feel good now after having to file for chapter 13 and pay for things with cash for atleast 5 years.  Of course AMEX has blacklisted me though.  Oh well atleast I don't have to worry about having my accounts frozen