How do I fix my credit?
My credit is horrible although I never have had credit cards or repos. I just never paid bill when I was younger. I figured it was no big deal. Like I couldn’t even tell you who I all owe. My family has been using my info since I was a kid. My score is really low. Now I am grown, married with children of my own, of course I pay my bills now. But how do I go about fixing the past if I don’t even know who I all owe. I would like to buy a house someday. Should I file bankruptcy???