Hello everyone, how's 2025 been for you so far? I meant to introduce myself sooner but I've been bugged down with a new "2nd job." I live in New York, been going through some personal family issues as of late. Building and maintaining a good solid credit profile has been a roller coaster for me. I'm here to get a better understanding of how credit works and what it takes to give it a make-over. Tired of all these high interest rates and/or "approval denied" statements. Thanks for having me onboard!