ok - just a couple thought provoking questions. would appreciate input from others... 1) now that your credit repair is done, do you feel lost? now that my reports are clean, i feel kind of let down - kind of a "thats it?!?!" feelng. they could of at least given me a parade 2) even though you have clean credit - are you still leary of applying? i've got two credit cards and an auto loan and i am terrified to apply for a mortgage next year. how long until that feeling wears off??? my MIL got approved for a mortgage w/a mid score of 510 and hardly any cash ($4k) - she has crappy credit and has no problem applying and getting turned down. 3) other than schooling is there anything you have dedicated yourself to as much as credit repair? i feel like i could have a masters degree by now!!! Thanks for any input!!!