Thanks for this.  I thought I was the only one.  So, I have screwed up my credit for the last 10 years.  Late payments, no payments, over the limit, maxed out cc, you name it I have done it.  Now I am paying for it.  My credit score is 513.  I really want to do better but I just don't know where to start.  I hope I can find some support within this group and begin the journey of credit repair.