Truthfully, you kind of asked for it.I respectfully disagree. While any individual poster's ideas may be attacked, personal attack just isn't called for. It's unecessary, inflamatory, and allows the best name-caller (as opposed to the best idea) an opportunity to carry the day. Addressing defects in ideas, fallacious reasoning, alternatives, unethical or illegal behavior, lack of personal responsibility, failure to suffer or engage in appropriate penace, stubborness, denial, willful neglect, incompetence, poor grammar and spelling, shouting, misunderstanding, verbosity, or lack of clarity can all be done in terms of the IDEAS instead of the person.The original poster offerred a strategy to increase credit scores that was resprented as effective. We can discuss the idea's merits (and lack thereof) easily without name-calling or attack.For my money, clearing up accurate blemishes on one's credit record as described by the original poster is dishonest and would cost me much more in self-respect than I could possibly gain financially. I'm aware that not everyone shares that ethic and regret that I have to be wary of those that don't. Plus, they're costing me money.Good luck,Bruce
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