Anyone have any experience or ideas to fix my own credit?

[R8RFAN]

If you're borrowing money to buy a business or an asset that can be used to gain value, borrowing money can be a good thing.
Nearly every one of the richest people on earth got to where they are by borrowing money. Donald Trump has a lot more money than you or I, but I bet he has many, many loans outstanding right now.

Credit is intended for the rich, not for the broke

Who has said that? I don't think anyone is arguing that normal credit card debt is a good thing.

Then what are we talking about?

Good for you. You're content where you are. You'll never be in Forbes, but that isn't your goal.

Maybe not but I have a in the neighborhood of a million on paper now with 0 debt.
So you can keep your Forbes

Not always.

Too vague , splain it for us dumb Raider fans
That tells me nothing....