Hi, qtpie--welcome to the forums. If you'll look at the top of this board, you'll see some threads that have been stickied, because they have been found to be so useful. If you'll start with Credit Scoring 101, and then check out Success Stories and Frequently Requested Threads, you'll get a great credit education for free.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007