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I tried a number of times to post a response a got the following message and there was nothing highlighted and no errors were shown.
Correct the highlighted errors and try again.
I tried again and the same thing happened. My reply showed for a few minutes but when I refreshed the page my post was gone. It was to this post:
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/closed-as-bad-debt-12-accounts/td-p/4743797
I would suspect a temporary system error, there is no restriction that I can see on your account.