It’s not easy to open up about my history with bad credit. Going through a divorce while simultaneously juggling medical bills and student loans is no small feat and did significant damage to my credit score. I’m in a place now where we are starting to look into buying our first home, but I was terrified my credit history would hold us back. Although it can be embarrassing to be real about your struggles with bad credit, there are lots of tools and tips to help get you back on the right track! I want you to know that although improving your credit score may take time, it can be done. I can speak from personal experience, as I’m still in the process of recovering mine. Every consumer has the right to good credit and the law is on their side to help them fix mistakes.