Hi! My name is Mike. Like you I struggled with my credit score. I made some poor decisions early on in life and I never thought my credit score could grow like it did. I was hit with high interest rates, couldn't get credit cards, and was turned away for things I needed or wanted to buy. It was frustrating! I sat down and did research on my own and figured out how to break my credit score into the 800 excellent level and I want to pass what I learned over to you in hopes you have the same great success.