After my separation in 2008, my credit took a huge hit. I went through a bunch of things and never thought that I was ever going to be able to clean it up. I honestly thought that I would have to get a free bankruptcy consultation to get my credit cleaned up. But I decided not to do it but I know several people who have had to file bankruptcy. I was lucky to have gotten a car and that helped my credit and then got two credit cards and those helped me out big time. Then I got a different car and that has been helping out so much. I’m so lucky that my credit is getting cleaned up but for those of you who are struggling keep trying. It will get better! I promise it will, just might take a few years like mine has.