Partner with bad credit hasn’t shared with boyfriend

DEAR HARRIETTE: I’ve made some questionable decisions over the years that had a negative impact on my credit. Many of those mistakes were things I did when I didn’t fully understand the concept of credit and financial responsibility. Now my bad credit is haunting me. I’ve been trying to take all of the steps to diminish debt and rectify certain things, but as you probably know, building good credit just takes time.