I only want to add this; is she come back at you with a comment like she did your BIL about give her some credit b/c she is a M woman...don't let her get by with saying something like that. If your children are in ear shot then you need to excuse them or yourselves, and then tell her that you don't give her credit b/c she had proven that her credit score is way below normal and there is no way you are going to risk her with something as vaulable as your children. Any time she has the brass to come at you with something as brazen as give her credit for being....whatever; that is the time to put her in her place. If there was ever a time to not hold back, I think this is it, but that's JMHO. She has proven "her credit"!

I hope her parents have their eyes open to what whe has done. We will be praying for you. Let usd know as soon as you can.

It is not about what you feel should work in your M. It is about doing the work that gets the right results. Do what works!