When I was 19 I had horrible credit. I had trouble renting an apartment and later buying a house. Flash forward just a few years later. I was buying a car and the salesman said, "Did you realize that you are in the top 3% of credit scores?" How did things change for me so drastically? Let me tell you my secrets. Improving your score is very possible. Like proper sun, good soil and the right amount of water for a dying plant, you will need patience and discipline for your credit score. Own … [Read more...]