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Totally correct. From my perspective, I was so utterly ashamed of my credit rating, being denied for just about anything in the card world, running to rescue losing my home and no lender would touch me in default, that I made it a discipline to get out of this mess. Needless to say, today, with my scores, I do not need the credit anymore, but I have restored my pride and confirmation, that I am worth something in the credit universe.