THANKS Dallas. One last question. My most recent late on the report shows 03/12, which was reported by the lender in 04/12. Would I need to wait until 04/13 to apply, after they post the 03/13 statement info? Or does that late become a year on 3/1/13, which means I technically could apply on 3/2/13? Sorry to get so detailed on this part.
2013 Starting: 593 Scores: 617 (EQfico) 658 (EXvant) 640 (TUfico) | Goal scores: 700 - 19 pos TL's / 5 baddies (1 pd) / 40% reported util
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