Sorry : I didn't know I could only give advice,but wasn't allowed to ask questions. Perhaps I need answers to the questions so I'm better informed before offering advice-ever think of that?
lbrown, My point isn't that you aren't allowed to ask questions, it's that you aren't offering anything when you quote the same person's post and ask 5 different questions. You could easily ask the questions in the same post. Not to mention the fact that you are so anti-FICO, its a wonder you don't just pay cash for everything and avoid the whole credit thing altogether. Yes, we know that FICO is a sham, but you don't have to point it out in every post in every thread. (I know, a bit exaggerated, but that is what it seems like). Please take this as the constructive criticism it is meant to be, and not an attack.