For those that are credit challenged, there is a website that offers you help for $8.95 a month. Go to www.myfico.com and sign up for “Score Watch” under Products and you will receive a lot of helpful information. The important part of repairing bad credit is to get the information about what you need to do to raise your score based on your credit. We have heard the stories about people who have spent hundreds of dollars to repair bad credit. This is a low cost way to find out exactly what you need to do to rebuild your credit and get on the path to home ownership today!