I have to tell you before I found this board, I was just trying to fix my credit so I could get some cards and a mortgage. Put now I care about FICO, apr, cl and bt. This credit game is addictive. What I meant was ADDICTIVE! I cannot stand the fact that my scores are between 450 & 550 depending on the CRA. All I want is the Amex, a mortgage and the ability to get it if I want it. I wish the RNG would just show me some love. HEY RNG Show me some LOVE