I agree with Robert on this.  I do like dealing with mail due to the paper but some people have gotten good results on the phone.  I will state what he has said again.  Never admit to them you owe it.  I don't care what they say or how they say it, never, ever admit to it.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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