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I agree about the hard pull points! I don't know how it effects FICO, I only know FAKO. I applied for a second secured card and it pulled my Experian FAKO down 12 points! Although my Transunion FAKO went up 2 points, which is weird lol.
Love2love, start by reading, a lot. I would start by going through the stickies which are threads that are at the very top of every forum.
