After one of my seminars, someone asked me, "Who made FICO god?"
I wouldn't give credit scores celestial status, but I get it. It can feel like they control your life at times.
And if you've been through financial hell in recent years, you may feel like you're trapped in credit purgatory.
But there is a way out. You can boost your credit scores. It may take time and effort but it's worth it.
You can get your free consumer credit reports at AnnualCreditReport.com. This is the website required by federal law to provide free credit reports from the major credit reporting agencies. Right now, due to the pandemic, they are offering free reports once a week! (Normally it's once a year.)
I recommend you get your report from each of the three major credit reporting agencies: Equifax, Experian and TransUnion. Since they don't share information with each other except in limited circumstances, you want to make sure each one has correct information.
Then once you have your credit reports you can review your credit scores.
Bonus: Here are 138+ places that give free credit scores.