I know how you feel with the credit scores. Mine is shot. With the separation/divorce crap going on I was left with all the obligations but none of the benefits. Lost a lot in the past 18+ months. Of course it was never a great credit score but now if I ever want any credit worthiness it's going to take a long time to rebuild it. Not that I want the credit. Not into buying things today that I can't pay for til tomorrow :/ But still the credit score today is so overly emphasized.