Just an update for you all, I've seen a 40 point increase in my fico scoring from the time I got my first score alert until now which propably doesn't even span 40 days. All thanks to you guys. With your expertise and guidance, I've managed to gw the infamous CMI, with succes mind you, pfd'd RJM, which was simple even for a newbie such as myself, CPA and Collectron. Still a ways to go as I am only sitting at a 586, but I am thrilled ast the progress and have definitely found a new hobby. Shout outs to marinevet, illecs, schoolbuskid, mst80, and the rest of you who have provided fico wsdom and awesome contacts. You guys ROCK, nay you guys RULE.