Hello:) Nice to meet you. If you're here you probably have credit that could be better. I've had bad credit too, once to a divorce and loss of a job, another time to my business going under and taking my credit with it. Both times I fixed it. The first time I followed a do it yourself course and the second time I used a credit repair company. So, wherever you are, I can relate a bit and I'm glad to share what I've learned on this site. Hope it helps.