[mrbadcredit]

ok long story short, i had no credit, in the process of finally establishing credit, hurricane wilma happend. lost employment, and a means to pay my debt. everything was eventually charged off.

ive employed the services of lexington law firm, but if im understanding these reports right, i have very little remarks on my credit information, and what i do have are negative.

so should i get a secured credit card, and start building some type of history, while lexington law firm makes heads and tales of my credit ??? if your answer is yes, how much should i put on these cards ???