I don't expect you to understand me at all.
Look how long it has taking you to admit you have flaws?
Prior to that you did have a good credit rating too!
I guess you have discovered yourself!
Too bad it took for sale signs, repossessions
And a foreclosure to do it!
You go right ahead.
I know a lot of that you probably have to do!
First of all...
I never needed a front or a back yard to do that!
Or neighbors that weren't neighborly!