OP ought to pull up wmarat's posts. He came here two years ago and also had to start all over again in credit land, and he's done very well. It's all about patience, and research, and grooming what you've got.
Starting from scratch is a bit different than for those of us born-and-raised, who just blundered our way into credit and then have to clean up our messes.
Starting from scratch is a bit different than for those of us born-and-raised, who just blundered our way into credit and then have to clean up our messes.