We are going to be upgrading this forum to the latest and greatest version tonight. That means the forum will be down starting at 8 pm (MST) on January 1, 2016 and will be down for approximately 3 hours. We apologize for this inconvenience but we are trying to schedule this at a time when traffic/use on the forum will be low. After the new version is up and running, if any of you run into any problems, please contact us at admin@creditinfocenter.com. Thank you all for participating in this forum and we wish all of you a happy, healthy, and prosperous 2016! Credit Info Center