I've got bad credit. But I want to fix it.
I know for a fact that I'm not alone. There are millions of
Americans who are in the same boat as I am and who want to change their credit
standing. Maybe that's how you found my blog.
So lately I've been searching and searching the web for
information on credit repair. And there is tons of info, everything from credit
repair firms to "do it yourself" credit repair kits entice a
"credit leper" like me.
But, honestly, I don't have the $500 to $2000 to hire someone
to fix my credit for me. I don't have much free time either to write a million
letters to the credit bureaus and sit around and wait for their replies.
But of these two options, the latter is almost free, so I'd
rather go with that. I know it's gonna take some time, but it's worth a shot.
So I'm gonna roll up my sleeves, get a little dirty, and hit this sucker head
on. I have to.
I've been married for almost 4 years now, I am the sole bread
winner, and it can get a little tough when I can't even qualify to finance a
stick of gum. The only company that had approved us for financing was The
Mattress Firm when we decided to buy a TempurPedic bed last September. We paid
that off about two months ago, so I hope that helped my credit rating.
I really don't want more credit. I try to pay cash for
everything. If I can't pay cash for something, than I really can't afford it.
So why do I want to fix my credit?
It's a personal pride thing. I don't want to owe anyone anything.
And I hate it how companies look down on people who have gone through difficult
times, or made stupid decisions, and messed up their credit. I made stupid
decisions.
I hope this works. I can't promise that I'll do something
everyday. But I'll try to update this blog with the steps that I take so that
maybe I can help someone else who is in my shoes.
First, thing I have to do though is take a look at my credit
reports and scores so I know what my starting point is.
