ok first thing is first i really wana thank madmonkey for his newbie starter list that did help a bit, but i just feel very overwhelmed by all this maybe im trying to take in too much at one time idk. Anyways here is my situation it starts off with me being young and dumb.. ( like you havent heard that before) well anyway recently in the last year I have gotten engaged thats a whole different stress, but we have been trying for home loans and getting denied so I have set my goal of fixing my credit because i don't want to deal with this bad credit for the rest of my life. Anyway im wondering