Stressed

Hi....and you are welcome.
To answer your question.....no, I do not have perfect credit.......however I have come a long way from where I started. Two years ago I had over 30 derogs (with a score in the 400s) and I have managed to get my score up over 150 points and my husband's went up about 200 points. I still have work to do......but in about a year (hopefully), my reports will be clean.
I'm just happy to be able to help by sharing my experiences.