Improve credit score

How to Repair & Improve Your Credit Score

My credit history sucks.

This is the first time in my adult life that I've been debt free but I learned the hard way that being debt free doesn't lead to a good credit score.

Unfortunately for me, I learned this as I was in the process of buying my apartment, which added another 6 months to the entire process because I had to take time out to improve my credit report and credit score.