Sorry about the delay - I'll post something more substantial later, but just wanted to say that my credit score went up 30 points in less than a month - just by paying off my credit card!!!! Yippeeee!!!
Okay, so I'm a bit of a dork - but now I can get my place with 100% financing!!!! I wish they stressed how important credit was when I was younger....
Alright - I'm off to get my beauty treatments :O)!