Remember to save those decline letters and use them to pull free reports. With those, you can pull your reports over a certain time period. So, let's say you got two declines recently from a CCC that pulled EX, for example, you could pull your free EX report twice without having to wait a full year as you normally would when you pull from annualcrediteport.com. Hope that makes sense.
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ETA: The above message implies that the original post was inappropriate, but that's not the case. The inappropriate comments appeared in some of the replies that were removed from this thread. My apologies, ficofox. You did nothing wrong. Thanks for contributing to the Forums!
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With FICO, time heals all wounds.