hello FV world! Thought I might try this whole blogging thing as another tool to help in my pursuit of a debt-free life. My main goal is to be able to purchase a house. I have good credit as does my significant boyfriend (SB) However, due to poor financial decisions when I was young and married/in school/getting divorced, I relied on credit cards a bit too much. Because of this, my income to debt ratio will not qualify me for...well...anything anywhere that I'd want ...
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