PinnedLockedWelcome to the OFHLONLINE community

This is where we work through the material together. A few things that make this place useful: Be specific. "My score dropped" gets a shrug. "My score dropped 40 points the month after I paid off and closed a card I'd had for nine years" gets a real answer. Share the outcome. If something worked, come back and say so. The next person searching for that problem will find your thread. No selling. No credit repair pitches, no affiliate links, no DMs offering services. That gets you removed.