@robthecreditguy: My client he's 24 active duty Army his credit was at 473.. Medical Collection $5,334, Charge-Off $9,887, AT&T Collection $1,998, 13 Late Payments! Enlisted right out of high school, nobody taught him how to manage money or credit. By the time he figured it out the damage was already done. Needed reliable transportation on and off base. He called me, 6 months later he drove off the lot. 473 to 719 #badcredit #creditscore #credittips #armylife #militarylife