Face it, we all have credit issues and at times they are worse than others. When the depression sets in remember that you are not your credit score. You are much more than that. A credit score is a prediction as to whether you will default, pay late or on time. This is based on your history.

I have no doubt that you are a mom or a dad. You are a provider and you're doing your best. remember that the next time you attach such great importance to your credit score. RS