MidnightVoice,
You are so right... what an awakening... I thought I am going to turn this around back then. Closed out the accounts that were open, paid off accounts to zero balance, don't use credit cards anymore (be a good girl and pay cash)... and it bit me in the butt! You want credit you better have credit and cl that you are actually using too. So glad I found this board.. I'm learning... I just have to get a jump start.
Anyone: should I just consider a secured card first since I am in a catch-22 situation?
