Thank you CreditRepair.com for sponsoring this post. CreditRepair.com’s team understands that a credit score is not just a number; it’s a lifestyle.
If you’re anything like me, mornings are typically waking up to a fresh start and wanting to make the most of each day. I’m fairly positive in that way. That means getting work done, taking time for fun with my family or doing a little self-care. Over the years I’ve learned more and more about the types of self-care I need to focus on and what effects it has on my other areas of work and family. Let me tell ya, it goes a long way!
One thing I used to avoid taking a hard look at was money. Finances and expenses and budgets seemed a bit overwhelming and honestly, more than a little un-fun. Anyone else? It’s so much easier to think about the fun stuff. I knew it was unhealthy to avoid looking at the numbers and decided I wanted to really dig in to see where I was.
Take An Honest Look
To start you need to know your score. Not to define you but to help you. I started to learn more about CreditRepair.com as a leading provider in the US whose credit professionals educate and empower to help individuals get the score they deserve. Their goal is to encourage healthy relationships with credit and empower individuals to achieve the credit scores they deserve to enjoy a lifestyle of greater opportunity. That part really resonated with me. Think about it. Isn’t that what we all want? A lifestyle of greater opportunity? We want to have the things we imagine ourselves having and whether we like it or not, our credit score typically dictates if that becomes a reality or not. With low credit, you’ll end up paying more in interest thanks to higher rates or worse, won’t get approved at all.
Ready to upgrade your car? How’s your credit score?
Dreaming of that fabulous European vacation? How’s your credit score?
Want that beach house? How’s your credit score?
Need a loan to launch that big idea you’ve been plotting? How’s your credit score?
You get the picture.
Plot Your Next Steps
If you’re creative like me you’ve probably dreamed up a million ideas and “what-if’s” painting a mental picture of what tomorrow and the next weeks/months/years look like. It’s easy to imagine the destination and where we see ourselves, but it’s not as easy to see the steps to get there. Especially if our credit isn’t where we want it.
With CreditRepair.com’s technology, you can log in and see your own personal online dashboard, which makes it so easy to get an accurate picture. See a credit score tracker and analysis, creditor interactions, text or email alerts, and credit monitoring.
Here are a few important areas to focus on:
- On time Payments
- Available Credit
- % of Credit Used
- New Accounts
- Length of Accounts
- Recent Credit Inquiries
This is so helpful if you have something that is being reported on your credit that you don’t even realize is bringing you down. I found out I had an old account reported incorrectly that was mistakenly saying I hadn’t paid a month in rent when I was in my 20s. I was like, wait, what???? Oh heck, no!
You can see where you stand so that you can plan which steps will help you get to the next level.
Imagine Your Future Self
We’re knee deep into our fixer upper at this point and we haven’t decided what our plans will be once it’s done. We might stay awhile and settle in or we might flip it and start looking for our next house. House hunting would mean our credit needs to be in tip-top shape so we secure the right mortgage. Even though that’s a little down the road, we can go ahead and plan for where we want to be. Yes, your credit score is a number and represents your financial situation, it doesn’t have to be the worst thing in the world.
In case you need this reminder today, remember your credit score isn’t set in stone. It can feel like it defines you but you’re so much more than that. Take an active approach and join more than 500,000 others who have gotten help from CreditRepair.com. Know your credit. Repair your reports. Live your life.
Learn more by clicking here.
