This is my first post in these forums, but I just had to post to give a great big THANK YOU to this community! Due in large part to all of the information that I received right here, I was able to rehab my credit and rebuild my life! Not too long I purchased a new car and just YESTERDAY I closed escrow on a new house!!! Reading these forums has been a part of my daily routine for the last two years. The information and support given here is invaluable and I want to personally thank everyone who took the time to post. I think that are probably a lot of people like me who turn to the myFico boards for information and hope and never actually post. For those of you who have shared your wisdom and experience, thank you, thank you, thank you!