I was here early in 2021, then got "spooked". I am back because I want to live. I read a lot. I observe. I listen. I have faith in us.
In response Robert Wakefield to his Publication
The other thing that has never made sense to me is when you pay off and close an account then your score takes a hit or goes down for a while. Why? If you worked to pay it off and act responsibly, why would you be penalized?
