Marcus Barney- Credit to Cash

1)  30 percent is okay, not negative

under 9 percent it has a positive effect on your credit report.

now your credit report starts to grow.

now when you apply for credit cards. you have much higher chance of approval than the 30. it will get you a denial when closer to 30 percent.

Damn it I need cash to fix this!!!!

2) 100 payment history done

3) Zero derogatory marks (get rid of them, done)

you have to take action. be a leader in your community. It's what's needed.

we have to take action. these are people who took action