Most of the information contained in this text has come from experience, i.e. blood, sweat, tears, trials and errors. What started off as a necessity from my own circumstances, turned into a lifetime quest to help others obtain financial intelligence in regards to their credit. There seems to be a lack of good information when it comes to your financial and credit well-being. It is my intent to provide you with good information that you will be able to apply to your own situation and betterment. Just by opening these pages you are taking a very important and giant step towards upgrading your life. Regardless of where you are currently there is always room for improvement. Our hope is that our experiences will be beneficial for you. Thank you for taking the time to increase your education and understanding of Improving Your Credit Score.