Hi Everyone. I am new to CreditBoards. I am in a rut and desperately need to repair my credit. My score was a 580...it is now a 450. My life seems to being going downhill instead of up. My credit cucking so bad is greatly limiting my potential to succeed in life and by this time next year I want my credit score to be at least 600...hopefully with creditboards help I can reach that goal. If you have any tips please do let me know!!!