I lost my house about 3 years ago, my credit was so bad, i had a tone of medical bills in collection, inquiries it was hard to even rent a decent place to live, because even land lords run credit checks. i knew i had to do something to get back on track. so then I hired a credit coach ( email@example.com) and wrote a letter for each thing on my credit report basically 2 months my credit went from under 551 now today it's 737. WOW I can't believe it. i am now buying a home. Signing the papers in a week. So don't ever think you'll never be able to rebuild your life just apply yourself to getting it done you just might be amazed at what you can do. Good luck to everyone if we can do it so can you. contact firstname.lastname@example.org.. .