The bills won't stop coming and the debts just keep on growing. How can you get a handle on it all? Especially with bad credit looming over your head. That feeling of not just failure but the never ending slow fall into a hole with darkness on the way down. Well, there is some good news that will shine a bright light on your debt drama due to bad credit history.
Believe it or not, many Americans have an average credit score in the high 600's, depending on which forum you visit for statistical data. Either way, this shows that we all are not doomed to fail in our financial situations. As always, there is room for improvement since the highest score is 850. Only thing standing in your way is knowledge, tools, time and a little patience.
Just as anything in life, organize! Credit repairing is no different. Consider it like spring cleaning. Make a strategic plan on the bad things to remove in order to make room for the good. Be careful, not to create new clutter during the cleaning process. Laziness may peek its ugly head but keep cleaning, because in the end you will feel better and you can move about more freely.
You may be scared to look but it's time to go pull that precious credit report. Close your eyes and take a deep breath, slowly glance at each page with an open mind. Accountability will have to be taken for your part in the crazy credit maze that you find yourself in currently. However, there is a way out without losing your head or spending lots of money.
- Review your credit report
- Dispute, Dispute, Dispute
- Rebuild properly
- Maintain continuously
Unfortunately, you will have to put in some effort. There is not a snap-of-the-finger solution. The same way you slowly created the bad debt is the same way it will slowly take time to fix. So no need to give up and hope you marry rich.
A credit score is a fundamental fuel needed to live a well-rounded life. You deserve it too, it's not just for wealthy people.
So click on the video below and watch how to go from bad credit to good credit.