This is not to brag or boast but just to tell you what setting goals, being determined, believing in yourself and your Higher Power and great credit/money management can do for you. In 2006, I lost my home of 10 years to foreclosure. At the time, I could've kept my home had I managed my money better. I also felt that since I had taken the steps to get us a home (I was married at the time of purchase) that all was good and there was no need to stay on top of my credit. I learned the hard way.....
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