Well, I first logged on to this site on July 25.. It took me a couple of days to get the courage to ask a question. Thank God I did. With all I have learned from these amazing people my median score went up another 24 points today. I have been crawling out of my credit hole for two years with 1 point here and two points there. In the past month, my score has gone up 36 points. My message is to never stop asking questions. Everyone here has something to offer even you new guys!!..........thanks to all for the help and encouragement.........I am at 636 and on my way............God bless you all..........julie
