I didn't always make the best decisions about my finances when I was younger. I ran up credit card bills I didn't pay, left utility bills when I moved out and let my utility bills lapse. It all came back to haunt me when I got a bit older and wanted to do some grown-up things like getting a car loan and mortgage. I worked really hard through those financial issues to restore my credit. This blog is all about owning up to your bad mistakes and restoring your credit so that you can make some grown-up decisions with regard to your finances.