I agree 100%. Even though the same questions get asked over and over again by newbies, no one bashes them for asking. Everyone's questions are addressed.
I appreciate this forum so much. I've learned more in the last 6-7 weeks about credit than I have in my whole lifetime and I owe it all to you all!
This forum has helped to change my financial future for the better without it costing anything. Except maybe time and a new pair of contacts because I've read so much until I think I'm going blind.

There maybe other places to find this information but IMO this is truly the best place!