I want to fix my credit score... and fix it up fast! That's what Kendra, my friend, told me as we chatted on the phone. Her finances were a mess. When she came to me for a mortgage, I'd rarely seen a sorrier credit history. I actually wondered if there was any hope.
Stop looking for the quick fix, I told Kendra, and listen carefully to what I am about to tell you. You need access to all three credit bureaus and all three credit scores to get the full picture. This is important because by taking control of your credit, you are protecting your future.
Some credit gurus recommend cutting up credit cards and closing accounts. Do not listen to them. They think you have no self-control and cannot manage your money.
But if you want something badly enough, you will control yourself. However if you do what the credit gurus say and cut up your cards, you could very possibly lower your credit score. So make the decison today that you are going to take control of your finances!
One more tip: Pay credit card purchases off monthly. Otherwise use cash until the credit card balance is zero again.
By the way, twelve months later, no one was more shocked than I when Kendra and I reviewed her credit history. But truthfully, I shouldn't have been so surprised. After all, Kendra had used my tips to repair her credit.
Now it's time to get your no-nonsense credit repair advice. Ask Kate how you can improve your credit rating with amazing success.
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