I want to write about a subject that's dear to my heart. Credit repair. Most people don't start out trying to ruin their credit. It just life has a way of kicking you when your down. Now life didn't mean to kick you when you're down, that was meant for your derrière. After all bad things happen to good folks. Divorce, illness, layoffs and if we're honest we saw it coming or at least saw the need to prepare. None the less we get caught financially with our pants down. I know it happened to me.