I'm doing well. Just a quick update on my credit situation: My EQF report is....make that WAS clean as a whistle. A collection account was re-inserted. When I went to Equifax in March, my FICO was 642. I went 2 days ago, it was 651 WITH the collection showing. I was totally bummed because I can't imagine what it would be if that darn thing didn't resurface. I still have a lot of inquiries that EQF is being a bum about. I'm researching a lot of things to find out HOW I can get rid of them. My TU...they are not being very cooperative. Junum has managed to get off a few things but they sent out 2 disputes last month. I'm waiting on results from round 2 now. Experian...I hate them. They keep verifying info. I got my full report online (and that's ticking me off also because I shouldn't have to pay...they should send a new report when there are corrections/deletions) and it didn't look a whole lot different. For round 2, Junum disputed something/somethings that they had disputed before and Experian said they would not reinvestigate. I still have to call Junum on that...but I'll handle that when I get my TU results from round 2. On a side note, my Providian MC CL went from $1000 to $1100 to $2600 in the course of a month. Go figure. I guess Planetfeedback did some good. My Retailers account...the one that had been reporting my account 60-days past due for 13 months...they FINALLY came through. They deleted all my previous derogs and now the account is listed in the "Good Standing" section. That's been a HARD battle. I had the same problem with Best Buy...still reporting that I was in CCCS, after they'd been paid off for over a year. They not only removed the notation, but they removed the derogs also. Coolness! I'm going to hang with Junum for one more round with Experian and TU. They can't do anything else for Equifax (except for re-insertions, that they WILL be hearing about that!). If Junum can't get rid of that foreclosure...I'll be heading to Lexington. I have a few more months until I go car shopping (unless the Feds drop rates again in June then all bets are off). So...that's how I am doing. Thanks for asking!