I was just curious what things you would NOT have gotten if you had waited the full 7 year repoting, instead of disputing and finding CN EX: house, car, refi car, refi house, LOC, CL increases. Let's try and leave out CC's, we've had polls about those before. Me: my Honda refinanced from 11.99 to 6.25 )))))) my apartment (denied MANY times before finding CN) A second vehicle 5.75% had I not found creditnet, I probably wouldnt have had enough sense to have a cushion before moving out THIS time.