Few updates the credit card thing I got those handled my self. took control. that is working out for the better.

@MisterE really good actally. made a whole lot of changes in life.

@Bacon Wow! i hope they give positive results to you!

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@MisterE yes actually. after a few months I've manage to increase my credit score. I moved away from leasing my suv to getting a loan it put my credit score down but after few months i'll get it back up there

@Bacon Yep. Credit companies like when you pay ahead of or by the due date, whatever it takes.

Does your bank give you your credit score free?

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