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  1. I've had a terrible time managing credit ever since I received my very first credit card back in 1989 as a student. Nobody ever taught me how to manage credit and frankly, it scared the heck out of me. I was a student, working my way through school at Michigan State and the pre-approved credit card offers seemed like free money to me. Of course we know that is not how this works. So I got in over my head and felt pretty powerless in dealing with credit card companies, banks and CRAs. Over the years I made a few uninformed attempts to clean up negatives (before the days of the internet) but it
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