Hello! I’m an accountant with bad credit-well not good credit, it’s been worse and I’ve seen lots lower. Still, poor life choices got me where I am and I’m digging out. I do have credit and I’m keeping the utilization below 10% currently. It was over 30%. I want to help myself first. Then help my clients. Once I get my score up, I’ll be able to refinance my RV and look for a home base property in a no state income tax state. Hoping to get a WIN after all my statements close this month with 10% utilization. Looking forward to learning how to make bigger jumps.