I tell you I had a beacon of 793! could get what ever I wanted. Then ex wife fucked me over with loands and cc in my name, I went o go buy an r1 and my beacon was 495. Well I got alot of it disputed but one was a cc for 3k and she did a blance ttransfger,,atm and purchaes, so I was getting intrest x3 for 19.99% I paid on it for a year and it droped like $150 so i am saying fuck it let it be a charge off, since I didnt open it and they wont take it off.