I’ll make it short but everyone who is struggling with their credit should contact Finance Council. I had troubled credit throughout my 20’s and it was just getting worse. I manage people’s finance and deal with credit for a living and to know my was one of the worst it was pretty embarrassing. I was told by a customer of mine’s that he had contacted them and did wonders to his credit, and I had to see it to believe it since I had seen his credit in the past.