When it comes to finances, you've likely had many ups and downs in life, with some months (even years) better than others. Most Minnesota residents would probably report similar experiences. It doesn't take much to throw your financial train off its tracks. If you or a loved one suffered adverse health in recent years, you might still be struggling to pay your medical bills.
The problem is often that once a big chunk of debt sets in, overall debt begins to increase because while you're trying to pay back the initial debt, you run out of money to try to keep up with regular, recurring expenses. If you're credit score took a nosedive during a financial crisis, you might be wondering how to restore it so that you can move toward a stronger financial future.