This Site is really a God Send. I have learned so much and that I am well on the way to cleaning up my credit. The gentleman here Steven Z gives gread advice. I always read through his first. There are others that gives good advice too. I am not affiliated with any one even remotely related to this site so I have nothing to gain by saying this. I just feel compelled to say to those mentioned and responsible for keeping this site going that I appreciate the work!!