Thanks so much, this is what i was looking for. So there is no real direct way to turn bad credit into good (other then age)? Along time ago i have made a plan to stop spending and start saving so putting a down payment is not a problem.
Like the title says i am FINALLY debt free! Absolutely 0 debts! I am as they say literally "broke". So now what, i have bad credit and in about 5 years would like to buy a house and of course new cars.