Just a little side comment. Up until recently, maybe a year or two ago, I was scared to even look at my credit report. I knew it was horrible and I didn't even want to look at it for fear that it was beyond repair. I accepted that fact and just went on with life. I was never taught the importance of money and or credit growing up (as far as I remember). I don't necessarily blame my parents for that. I just know that I want to teach my daughter the importance of investing and having an outstanding credit profile.
I tend to not give myself a ton of credit for myself. I tend to be pretty hard on myself ("you can always do better") but I have to say, I am proud of myself for taking the steps and facing this head on. It doesn't scare me anymore. In fact, I look at it more like a game now. Before it was, you can never have a score of 800+. Now it's, there's no reason why you can't.
Sorry for the rant. Just had the need to type that out 