Hi my name is Jake. I just came across this page while doing to credit research. I actually just became debt free after 10 years of basically not paying anything. I didn't have much debt (10k) but last year I decided to grow up and start repairing my financial situation. I just became debt free but my credit score is horrible and I'm trying to figure out how it works and how to make it rise. Im having a lot of trouble with that! Anyway I just wanted to share my story since we are in a similar situation and wish you good luck! It feels good to get your shit together!