If this information was taught to us in school, imagine how much nicer the world would be in the US. How much less greed, there would be, how much more trust we would have, how accountability would look like for companies. The Financial ER has been a saving grace of information of things we can do on our own to fix credit and how to work WITH entities, people to fix. Or keep our credit healthy. I LOVE this account, I love Ricardo and his willingness to teach everyone. Thank you!