Cafe41-Those are great options. I also want to add that Dave Ramsey has a show on the Fox Business Network that is quite informative.
He is an expert on helping people manage debt and improve their credit rating. He himself suffered a bankruptcy and he openly talks about this with his viewers.
It was this adversity that helped him understand money which led him to become the financial guru he is today. So if he can you it, so can you Anon16540. Don’t give up.