Set mini goals, none of this happens overnight. My ultimate goal is to stay and be debt free less a mortgage. You can’t be made to feel inferior without your consent. Your credit score is not you. Knowledge is power! CA’s are concerned about the informed consumer. Moreover, comprehensive didactic message boards such as this concern them. I would recommend visiting a debt collector’s board or two. Know thy adversary- you won’t need to read long. Guard your land line phone number as you would your family jewels. Never, ever talk to a CA. If you somehow find yourself goat roped into speaking