1. With or without your name, would everyone mind sharing how it is they got into credit hell? 2. Once you are clean and hitting 700+, what is it that you plan to do with your credit and how will you keep from returning to credit hell? 3. If you are one of many, why do you wish to obtain so much credit that if you were to charge it all up, you could NOT afford to pay it off? 4. Do you agree that having too much credit, spending too much credit and not being responsible are the main reasons for finding yourself in credit hell?