I just want to tell all of you wonderful people thank you. You have changed so many lives. I have used the imformation on this site to change my families lives as well as many friends lives. I am the mother of five children and I am sure that all of their futures have changed as well. I am certain that my children will be able to attend college. Because I and my husband are no longer in credit pergatory, we have the ability to become the type of family we deserve to be. It is truly sad that something like a credit report could have held down two hard working people like us, but it did. I purchased a home three years ago which I now have over 100,000 in equity and very decent credit scores. I have a respectable amount of credit and also a decent amount of savings. We are secure against the wolf that could come to the door. I am attending graduate school and will have a masters degree and intend to get my Ph.D. I have mostly been a lurker, and not nearly as aggressive as I should have been, but I finally made it. I do think that there is a tremendous amount of value in doing it myself. It has made me damn sure that it will never happen again. Almost like making ammends. I Love you all. Your a group of pioneers who question everything! What a blessing you all have been to me. God Bless