Even though I don't think I have personally responed to one of your questions, I will accept all the credit. 
Seriously though, this board has such a weatlh of knowledge. No matter what your problem, someone is here to help. I have been helped on numerous instances when I figured all was lost. What a great support group.
Special thanks to the mods for putting up with all this!
I have to agree wholeheartedly.
This place and everyone who contributes is awesome. I have learned SO MUCH ever since I stumbled across this forum. Credit scores & finances aren't scary or overwhelming anymore; it's actually kind of fun to learn more about it and to take actions that will lead to raising my score or improving my report.
Thanks to everyone here. Even if you haven't answered my questions directly, I have made heavy use of the search feature. And even if you have been doing the asking rather than the answering, I have been able to find a lot of the same questions I had before needing to post myself.
I have this forum to thank for the positive credit changes that are finally taking place for me. Just a few short years ago, I knew absolutely nothing about credit other than the fact that mine wasn't so good (thanks to years of credit card and student loan debts). Everything that I bought was subprime and the man who's now my husband began "schooling" me. We went through so many trials and tribulations in attempts to clean up my credit and with a minimum of at least a 100 point boost in my score for each bureau was my reward. It took only a year to get to where I am today and I refuse to go back. By this time next year, all of my scores should be very near or at the 800+ bracket. God is good...and so is myfico.com 
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