I don’t have all of the answers to this one. And I know that I can do better than I have, we all can realistically and we all know it. The first thing I would suggest is get a credit report from all three agencies, Transunion.com, Experian.com and there is one more that I can’t recall. The next thing I would do is look in your phone book for the nearest Primerica office and give them a call. Primerica is the only company that I know of that will sit down with you and show you everything you can do to create wealth and do it for free.