.....and I mean that in the nicest possible way 
Just thought I would pop in and mention that the Mods on this board are just ordinary Joes and ?Joe-esses? like me and you all. They do not get paid and are not Fair Isaac employees (except Barry, and he is an Admin, not a Mod). They do a great job, often under rather trying circumstances, just for the good of the community. And at the same time they have to live a real life in the real world. Just like you and me, they have their opinions, and we all know that opinions may differ 
But they all work hard and their objective is to help produce a community that supplies free advice on the subject of credit. So please give them credit for what they do (pun intended)
And just for the record, I am one of the oldest posters on this board (in more ways than one), and have never been a Mod here, nor ever will be (it is too much like real work). I have no "special privileges" and have, in the past, both agreed and disagreed with the actions of the Mods. But I have been a Mod etc elsewhere, so I know what the job entails and how difficult it can be. It is impossible to please all the people all the time - and what a boring world it would be if that were possible.
Thank you all Mods. You have helped create and keep running a community that given a lot of valuable FREE advice and help to a lot of people
It sounds like MidnightVoice will have a little something "extra" in his next paycheck. 
Just kidding. I agree with everything you said.
From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772
You can do the same thing with hard work
Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score
@Anonymous wrote:
Nicely put Midnight Voice.
I wanna add my applause - thanks Mods for patiently teaching me and everyone else. Very very much appreciated!!
+1
Please show your appreciation by donating to our beer fund.
@fused wrote:Please show your appreciation by donating to our beer fund.
Hi Fused,
I will happily do so. However, can you consult with Barry to find out if donations to the moderators are tax deductible?
It would make a difference to me in terms of donating one beer or two.
@llecs wrote:Actually, MV, we are paid via koolaid. It's optional though if we want to drink it.
Ummmmm, what flavor?????
@Imhotrodcrazy wrote:
@llecs wrote:
Actually, MV, we are paid via koolaid. It's optional though if we want to drink it.
Ummmmm, what flavor?????
Cold Beer!