If your credit is messed-up like mine use to be and you are thinking of doing something about it.It's time to stop just thinking and do something about.Do you know the longer you wait to start fixing your credit,the worst it get and it take longer to repair your credit It is not my place or goal to make ethical decisions for anyone.But to provide you with the credit repair information you need to make an informed decision It's the decision of the person whose family can't buy a home, or a new .