Hi everyone!! Been stuck to all the written forum i read for 3hours now and pretty sure i did experienced all the shows occurred to everyones now and then and now.!! heres my brief cases: In 90's i started my credit by opening at the mall jewejry store at small down payment of less $500 loan. paid in full without late then open gas credit,a dept. store (mobil,chevron,mervyns,sears) doing good until i let a friends use it and pay for awhile till they treat me as an enemy if i ask for credit payment. wheew ! Leave the state ,move on with my life work two/3 jobs and pay all my bills . learned to check my credit report and found some company check my report whom i never deal business with. Got better job fix all credit agony And finally 2002 was able to buy my 1st house after 3 years i lost the stressful high paying job enter a new venture as entrepreneur /self employed Finally came to the last straw drain my 401k and all savings,no money but still have my honey !! Now all the alligators are in my way and some monkey at my back who never quits change my numbers still they got the power.! Now,got the 8 hours j o b yet still shorty in coins to spare for those monkeys All i ask for this goodie community simple advice that wont squeek my tweeks . Where do i go from here? this monkey are tougher than i can negotiate . should i play or should i pay or should i go? God bless u all mj2