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peek-a-boo i see you.....
Thread locked and under moderator review...
Thread will remain locked as even after my innocent warning, it was ignored thus this thread is now locked.
Keep in mind FSR isn't optional and i can guranteee you won't come out ahead.
Link to FSR guidelines
http://ficoforums.myfico.com/t5/Credit-Cards/Forum-Etiquette/m-p/2797115