That invisible credit problem was what I ran into when I tried to buy my first car. Partner that with a parent with zero financial knowledge (who had to co-sign the loan so I could get the car) and I walked away with the worst ever interest rate on a junk car from some sketchy dealership. I basically bought 1 1/2 cars by the time I paid off the car, I was in the dumps via credit, owed $46k in card debts and 87k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake. My cousin referred me to RockBase at Protonmail dot Com I’m intrigued by their honesty and service, today all those debts have been cleared completely and my FICO score raised to 790 in less than 2weeks. I promised to let the world know about Rock Base, yes he came through for me. I now have a home and a good car of my own.