Hello everyone I'm very new to the credit world. I'm a victim of identity theft. Which has caused my credit score to go down. On top of a divorce. Can anyone point me in the right direction on where I should start. Thank you.

Walked into the dealership with $0 in hand. Drove off in a $70,000 car It’s not magic — it’s understanding credit, income, and how lenders calculate risk

Personal Guarantee (PG) Business Credit Cards don't report to your personal credit report, allowing you to max them out without affecting your personal score.

📍Did you know old addresses tied to negative accounts can anchor them to your report? The bureaus often verify derogatory accounts using address history. By removing outdated or incorrect addresses, especially ones tied to charged-off or collection accounts, you reduce the link between those accounts and your current identity. Call each bureau and request the removal of inaccurate personal info. This simple move boosts your dispute success rate and helps tidy your credit foundation.

Credit isn’t just about borrowing—it’s about positioning. Every credit card you get should have a purpose: travel perks, 0% intro APR, cashback, etc. Don’t chase cards for clout—build a strategy. Wealthy people don’t swipe randomly—they leverage intentionally.