Well, since the start of this year I have pulled 9 credit reports, run endless disputes, read FICO and FAKO scores, talked to CCC people, talked to mortgage people, talked to auto sales people and read the board.
I have learned that to keep my scores up I must NOT get a cell phone, and that I must pay my CCs twice a month to keep utilization low but not zero and still avoid finance charges. I have also learned that the FICO simulator is just a tad optimistic and that a lot of people are now where I was a few years ago.
I am now going to sit back and wait for all the disputes to be resolved, go visit Detroit and San Diego and Florida and St Louis and Ghent and Joburg and London, and not worry about exactly what is happening to my scores or those of my wife. Depending what the CRAs say, sometime in the dog days of summer I might bestir myself to enquire about a few scores and see what is happening, but other than that, no more checking until 6 weeks after a certain derrogatory is due to drop off (March 1st)
, I can still hang around here and complain about Cingular and see if there are any new nuggests of wisdom that appear.
You don't get rid of me that easily, this place is too much fun to visit.
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid