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Garth Kirkpatrick
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Start investing with Acorns today! Get $5 when you use my invite code: https://acorns.com/invite/57VWXF
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If you aren’t careful, obsessing over the perfect credit score can actually harm your credit:

https://www.creditkarma.com/article/perfect-credit-score
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Garth's Credit Repair Saga http://www.creditsaga.com/
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When You Get a Letter From a Collection Agency
     Collection Agencies. The feared enemy. Or are they? I used to think that way. Now, after a few run ins with different collection agencies using the law as my weapon of choice, I have found some successful ways to stop them in their tracks.      They ma...
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