Hey Bullies! I'm REM, and I'm excited that you are here. One thing I want to share with you is how I overcame having bad credit. It was a journey, but through hard work and dedication, I was able to take the necessary steps to restore my credit and learn how to use it wisely. Now, I want to use my experiences and knowledge to teach the importance of financial literacy to anyone who's willing to learn. Let's build together and BULLY the bureaus!