Well I'm figuring out my bills and think I'll be caught up next month. I have two outstanding bills to pay and incoming medical to pay. Plus I added credit cards, I wanted to pay it off each month but got myself in a bind. Easy access to money that I keep using. At least I'm paying on time, but not doing as well with credit as I would like. Hope to improve but on the upside my credit score shot up 72 points! Just with experian, transunion is still low. But I'm improving.