[| I, CWAS |]

Just to let you FCRA modifications are now in effect--i believe about 8 days ago. You can now get 1 free credit report per year from each of the 3 tracking agencies. It goes into effect regionally, but Equifax jumped the gun in a PR move and they offer it already. Just FYI if you need to see your credit report (which you should anyway, a few times a year)

https://www.freecreditreport.com/