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@busyone wrote:LOL, I'm going with the cold snp in Patagonia!!! Yeah, I know the scoring system is wacky.I paid all the credit card payments before the due dates, but don't know when the ccc reportingdates are. I was so excited to be back in the 700 club and have at least one over 720 and thena slight step back. I know it's no biggie just had to vent, and where better than these wonderful boards.Thanks