The truth is no one has good credit…including me.  Establishing good credit and maintaining good spending habits is important.  You will not have excellent credit over night I don’t care what the credit repairing agencies tell you.  The key is to be discipline, be consistent and make monthly payments in a timely manner…remember “Rome was not built in a day”.  Click the link below for tips on how to build better credit:

http://browngirlbloggers.com/2015/06/4-ways-millennials-can-build-credit.html/