I dont think anyone can tell you if it is the right choice for you;however, I believe it is worth pursuing. I call it the "gift that keeps on giving to me" because my credit was so bad it couldnt get any worse so now Im starting to see the payoff. Good luck!
Starting Score: EQ 450 EX 498 TU 470
Current Score: EQ 574 EX 581 TU 572 Barclay 596 Merrick 612
Goal Score: 600 all by 06/30/2014Take the myFICO Fitness Challenge_______________________________________________________