Sorry it has taken awhile to respond - computer down. My scores have risen mainly from time, not applying for credit, and not carrying a balance ( I pay in full before the statement cuts). As for what I wish I knew before hand is the dramatic affect of lates. My family had some health issues that distracted me personally as well as monetarily. I would have some lates because of medical bills, but would not have had the number of lates if I had managed it differently. I should have worked out more payment plans with medical providers vs. paying in full and letting something slip. I should have also contacted my creditors and explained the situation and asked for help from them as well as family. I just hate have payments hanging over my head other than a car and mortgage.
