Reading through this and some of the op's other topics. I have to wonder about some things. I do notice this topic is getting replys, although negitive in nature, people are replying. Might say something about the kind of people who post here I don't know. I heard somewhere that having bad credit, is better for your credit rating than having no credit at all. Seems to me that the op is popular and well known here, and I suspect is in the same way popular on other forums.
op, 100 times, really? I don't see the point in bragging about it if thats what your doing. I mostly try to stay under the radar, while getting my message out, whatever that message might be at the time.
BTW, congrats on all the replys. Another successfull topic.