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A new start is always exciting, but before I get to it I must look back on what has made this new start necessary. A few years ago I wrecked my credit completely, I had more debt than I could handle and instead of seeking help I thought I could use new loans to cover old ones, together with credit card interest payments, it became too much for me. So I defaulted and got the loans re-arranged, which helped somewhat but left me with very bad credit. Am not letting that put me down, this is a new start, in which I will build my credit and protect it carefully, I’ve gotten some credit tips on what to do, its going to take years but it’ll be an exciting challenge seeing my credit score go from zero to as high as I can get it.