I found out what many people find out every year. I was in the middle of my credit nightmare, and I did not know what to do to get out of it. Then I met with my credit counselor. They taught me many important steps, which led to me getting out of the nightmare… finally! When I began checking my reports, I found many errors that had been contributing to my score. I am also more conscience of bill due dates, as late ones result in penalties on your score. I also try not to have too many credit cards, as they just serve as temptation! This is how I finally got out of my Credit Nightmare and got on the road of Bad Credit Repair!