I know I've told this story a million times, but I can't stress enough that this board has changed my life. In Feb of 2003 I had 24 derog remarks on my TU and a score of 484. TODAY I pulled my report, and it is SQUEAKY clean, with a score of 720. P.S. I am paying off debts that were deleted becuase I do owe the money. I made arrangements to pay the debts by stating "This item has been deleted from my report, but I will continue to pay on the basis that you will not report it as PAID." You gotta admit, for a car saleman, I've got a conscience
