This is a complicated question that has been discussed here repeatedly.
Look in the archives.
John Gilmore
Ashland, MA 01721-1817
USA
_________________________________________________________________
The average US Credit Score is 675. The cost to see yours: $0 by Experian.
http://www.freecreditreport.com/pm/default.aspx?sc=660600&bcd=EMAILFOOTERAVERAGE
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