One of the owners on creditboards is an ignorant liar. He will edit your posts and ban you if you are right and call him out on his ignorance. A thread was heavily edited after a user was banned for being right and embarassing LKH. You can see the thread after LKH edited it here: http//: creditboards.com/forums/index.php? Showtopic=441879
Obviously LKH is a liar as he claimed the poster signed in with 2 different user names then he claimed one of them was banned. He couldn't keep his story straight. Do not trust any advice you get there as they are more interested in maintaining that they know everything than the truth. If you call them out on their incorrect advice you will get bannned, they will lie about you being a troll, they will make up stories about you being banned before, etc.
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