I have to give everyone credit. I live on the West Coast and by the time I log on to myFico (typically 9am my time), there are easily 20 new responses to almost every topic. You guys are on it.... 
@scorewatcher7 wrote:I have to give everyone credit. I live on the West Coast and by the time I log on to myFico (typically 9am my time), there are easily 20 new responses to almost every topic. You guys are on it....
Just like flypaper ...
Some of us are just beginning our days as others are making ready for bed. I got home at 4 am after closing up the bar and driving one of my customers who had 1 too many home. Certainly wasn't letting her drive home in a blizzard! My fico and some austrailian league soccer are my wind downs. then a nap and back here while I do my normal day to day stuff. The best thing here to me is people can disagree but still treat each other like actual humans 
@scorewatcher7 wrote:I have to give everyone credit. I live on the West Coast and by the time I log on to myFico (typically 9am my time), there are easily 20 new responses to almost every topic. You guys are on it....
I agree... This is a neat forum with really good formatting/easy to follow. I like the fact that there is no advertising crap on the pages unlike other forums.
_+1. There's ALWAYS something going on here. Sunday. Christmas. Middle of the night. This forum never even seems to slow down its production of good information, good advice, and good conversation.
I know that may mean that some of us don't have a life 
but it always makes this a good place to turn for like minded company and useful information.