Some people (SEAN) post insulting messages that have NOTHING TO DO WITH THE TOPIC and in doing so attack others. It really gets on my nerves when I see this happening. How much time I spend on this board is really not the issue. And I might add, if you (SEAN) had a perfect life you wouldnot be hanging around credit building sites. You'd be a platinum carrying, Benz driving, Armani & Movado wearing, 1st class flying, Fourstar hotel staying-- mac daddy. You'd also have a pretty decent level of education which I kinda think ya don't. So until you finish your own self improvement, dont cast stones. I am also very sure you have enjoyed my many post and have learned alot from them to repair your own credit mistakes. Now I am sure you will start to FRONT at this point and claim you are a credit giant. Whatever! Save the Drama. I dont let your insults hurt me. I am just tired of them popping up from 'peeps' like you all the time. For the record, Roni will always just keep on keeping on. roni.