I had the best credit for many years and thought I knew everything about credit well I didn't! I closed many credit cards because I thought it would be better to have only my best two. Well then all heck broke lose and my rates went up because of the ratio difference that I did not understand.I have  spent the last seven years trying to rebuild my score and I am finely seeing my progress. No one should ever give up!  I will continue to work hard and steady to get back the scores I want. It is a pride thing to me. If I can do it anyone can.