Why is my credit all messed up?

Could be several reasons.  You might have too much debt.  That is one of the big ones.  Or maybe you have too much loaned out money to available credit (called utilization).  If you can borrow a ton and only borrow a bit it looks better than borrowing almost everything you can.

Other things: missing or late payments, too many open lines of credit (i.e. having a store credit card for everything from Vickie’s Secret to Sears an having four gas cards is not good).

One other thing: about 80% of credit reports actually have errors on them.  So check yours (do not use Freecreditreport.com even if they have funny commercials as they are NOT free).  Click here for a resource