Well, I’m new to this. But why not share? I’m awake at 2 am for a reason. Single mother of a three-year-old, moved to a new state, focusing on getting a degree and working for the two of us.

I wish to earn that degree, improve my credit score by two hundred points, and buy a house in the next twenty-four hours.

How so? No idea; since I am barely in my second year of college and my credit is probably a smaller number than the score on my last final. In no way does that reflect poor academic performance.

My credit score is just a bit lower than ninety-seven, I believe. But good morning and goodnight. T.B