I am just a guy in my mid thirties, who enjoys analyzing credit. My goal is to share information about credit to anyone that will listen. I started studying credit in 2004. I used my own personal situation to help better myself with credit and finances. I spent thousands of countless hours studying my own credit bureau and even more hours studying online material to put myself in a better spot with credit. I started my credit venture with a very undesirable credit score, and had the dream and vision to turn it around as fast as I possibly could. Through hard work, diligence, and time it was looking more hopeful in 2005. With a little more work it was getting better in 2006. In 2007 I purchased a home and my dream was starting to take shape. Today, as I write this, my credit is completely turned around and I am in a much better spot. Everyday, I can be working diligently to tweak alittle this and that, to do with my credit, but I am a much better person today then I was in 2004. This is a little of my story. I am not ashamed of my story, nor should I think that anyone should be ashamed of theirs. One thing is factual, we all (over 18) have a credit bureau. What we do with our credit is completely within our control. This is a vision about what we can do to move forward, and not dwell in the past. I am a human being with a beating heart like the rest of the world, and if I can spend some time offering my personal opinion on credit, to even one person, then I have succeeded. The articles and opinions posted on this blog are my opinion and should not be considered professional financial advice.