Well Barry i'd have to say you guys have done a wonderful job with these forums, i've learned quite a lot in the few minutes i've spent here. Thanks!
Couldn't have done it without you, gregorymn27!
In a past life I served as FICO consumer affairs manager, FICO media spokesman, and myFICO Forums community manager from 2007 to 2012. I'm now freelance writing about credit at CreditCards.com and on my own site, SpeakingOfCredit.com.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.