I am a black male in my early 30's.
I graduated from college with a degree in Business and moved from OHIO to Chicago, IL. I lived the GOOD life right after school compliments of my high limit CC.
Soon though, after a few setbacks I was in over my head - 18K in debt. I Moved back to OHIO and have successfully dug myself out of debt....Now I have good credit, the mountain of debt has disappeared (as of 8/3/07), got married on 8/9/08 and now I'm ready to take on the next challenge.