Date: 2006-05-15 10:23 pm (UTC)
Captial One is on my bad list because they send me useless offers CONSTANTLY in the mail. I must get at least two a week.

I just got my first real credit scores (i.e. FICO numbers) a few hours ago. Fact: you are totally doing the right thing by getting a credit card; it REALLY helped me. (Another fact: Captial One pulls a copy of my scores like twice a month so they can pre-approve me for more offers. It's ridiculous.)
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