If you have a 500 credit score, your financial life is probably somewhat difficult. I personally know exactly what that’s like. You can’t buy a cell phone or satelite dish, let alone a nice vehicle or home. It’s embarrassing and it’s worth doing whatever it takes to improve the situation. I personally was able [...]

A few years ago, I had a terrible credit score. Since I had screwed up with credit lines that I had previously, I had a much harder time getting credit. Since I had REALLY blown it with two previous credit cards, my accounts had been closed and I couldn’t get new ones. When you [...]

First, I would analyze my credit situation. What I would primarily need to know is whether I currently have any open credit cards. Chances are, if I have a 550 credit score, I have ruined my credit lines, thus losing my ability to build credit.
If I had open credit lines, I would never again [...]