How to quickly fix bad credit when you have high credit to debt ratios.

About a year ago, I was attempting to sell my home. It’s a lovely home in the suburbs of southern California, has a swimming pool, lovely fruit trees in the backyard, is close to the best schools and is 15 minutes from some of the nicest beaches in SoCal. Perfect, right? What it lacked was a modern kitchen. The previous homeowners had decorated the kitchen in a very…