Wisco, I'm sorry you found my message disrespectful as that was not the intent. I've been a regular poster in this section of myFICO for several years, and over time I've seen many newer users become frustrated when they post into older threads asking from responses from long-gone or very occasional posters. It's actually pretty unusual for someone like Zac to have come back into a thread like this, but it's awesome that they did and were able to give you some useful input.
My goal with my post was to keep you from being discouraged by a probable lack of response, remind a newer user to check post dates before replying (because in a slow sub-forum like this, it's easy to get into old posts as you browse), and also encourage a new post that might open up more discussion with current users.
These suggestions have helped other users in the past get more responses and participate more in our community, so I'll continue to make them. Of course, you are free to do anything you like within Terms & Conditions of the forum. Good luck with your credit building!
