Just a celebration to let each of you know that this is all worth it. The information on this board has helped me get my score from 690 range to 809 in a year and a half. I did not have that much rebuilding to do, but 5 items that needed to be deleted. I perservered and read this board every day for one year and then did not take no for an answer. I had paid a collection before I discovered the board and sent a letter to the ATand T CEO....I also got a NO from Commerce bank on a goodwill letter so I sent one to the president of our local branch. Other creative ideas because of this board...THANK YOU. I am going mortgage shopping tomorrow with Suzy platnum reports in hand. Suzy's kit also helped get rid of one....Now if the mortgages will keep coming down...