I like many have struggle with debt, but the problem for me was not me, but a sibling. At 18 I had 4 credit cards paid them off each month and was on my way to purchasing a house at an early age, but then..... my credit as stolen by my sibling who knew everything about me including my ssn. I sat on it for 11 years b4 everything had finally dropped to only turn around and she done it AGAIN. When I found out hat had happened the 2nd time I was Also going thru a divorce. I needed my credit but had nothing, but a 450 for a score. That was 4 years ago. I actively corresponded with all credit bureaus, finally had all of her charges removed from my credit and started from scratch. It’s been tough, but I’m finally on a path to purchase my 1st home. My score isn’t perfect 708, but I’ve done with 1 $500 credit limit card. Charge and pay off each month. No interest, no late fees, no insufficient payments, and no inquiries. Charge and pay in full. That’s my story. good luck
