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New members will have some restrictions placed on their accounts. This is to protect you, so be patient, and post, and you'll achieve full member status in no time.
We're here to help, and we want to provide a safe place for you to get that help. If someone is discourteous to you, please use the report button at the bottom of each post, or email firstname.lastname@example.org with the URL to the post, and we'll take a look at it.
Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.