My credit is now considered excellent but I remember starting off with a credit score of 388 when I was 21. I had no credit under my name really just some old doctor bills that went to collections. I was able to turn things around despite being in over $10,000 in debt. I know this is a personal question but if you're open to answering, how is your credit?
I have excellent credit. We always pay off our credit card statements as soon as they are posted, pay our auto loans on time and aren't late with utility payments. All those things help to raise your credit score. The last time I checked mine was in the upper 700s and even went to 800 once.