Quite the accomplishment for me, face my problems and be patient. I am all about solving problems and getting it done immediately. Improving credit score (#17) will have to take time but at least I know now where my starting line is. That starting line is fair and certainly not as bad as I thought.
So now I have to take the steps to get to the perfect 800. I will make a promise for my children to have better credit rating than they do so I can be a co-signer if necessary for those, ugh, college loans.