Is your credit picture lookin’ kinda bleak??
Relax – if we work together for the next 6 months – we can get you in a much better position!
No matter what your credit picture – 6 months of work will general improve your scores by 100 to 150 points. Here are 4 things to do from the start:
- Stop using your credit cards. You might need to take PB&J sandwiches to work everyday – you might not get new shoes for Easter – but you’ve got to break the habit of spending credit, and work on a cash basis for all purchases. If you are an impulse spender, like me, there’s an easy trick. Take your credit cards and put them in a plastic container. Fill the container up with water. Put it in the FREEZER. Now – if you melt the ice in the microwave it’s going to mess up your little strip on the back… but if you NEED your credit cards for new tires (for instance) you can wait the two or three hours for them to thaw. If you WANT a new dress for a date – you will be more likely to call a girlfriend an BORROW something! [Read more...]