LilyBee wrote:OUCH !! HiLine. Sorry to hear it. You'll do better next year with all the info to draw from on this Forum.
Thanks for the encouragement, LilyBee! That's a very cute name. 
I am confident about joining the club some time next year, with all the knowledge I gained from this forum and the fact that most of my score drop is attributed to credit inquiries and a high utilization ratio, both of which are temporary effects. 
