Are you suggesting that a 700 fico score is "the brink of bad credit"No, what I'm saying is if the OP is saying 40 points will <snip> tried to ruin my credit, cost me 10,000's of dollars in higher interest rates, hurt my chances of fulfilling my dream of starting my own business and living a better and more fulfilling life, etc. etc. etc</snip> then he was on the brink of bad credit anyway. Going from 700 to 660 would definately suck for the OP...but it wouldn't do what he's saying it would do. Only being on the bottom end of FICO would do what the OP is saying.
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