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You're quite welcome. More quality posts like this and you will have gained a loyal follower.

Definitely. I was thinking about writing a post on how I improved my credit score using this method, but you've pretty much got it covered now. :) And, you have more credibility in this niche, because you used to work in it. I simply followed the same advice you give here in a book I read. Either way, it's useful information many Steemians will appreciate.