Yay for Spring Cleaning! This year, don’t just clean your home and yard, clean up your credit! Imagine the possibilities that will emerge when your credit doesn’t disqualify you from loan options, career options, or just how much you have to put down to rent an apartment!
A friend of mine and I went to the same apartment complex looking to apply, and we were told the deposit would range from $150 to $600 depending on your credit score. I got the $150 deposit, they got the $600, I could afford to get the apartment, they couldn’t. We’re the same age, make the same amount of money, and I can afford to live a much more comfortable life because I have been able to be responsible with my credit since day one. Not everyone is given a situation where they never have to choose between paying their rent or buying groceries, but no one should. Unfortunately, that’s not the world we live in. The good news is that there are ways to help recover your credit, whether from circumstances that gave you no choice but to max out that credit card, or even just being “young and dumb”.
Here’s one point I will make time and time again…
You probably have an idea of what needs to be done, (credit repair, debt consolidation, etc…) get inspired by Nike, JUST DO IT! Sitting around wishing, wanting, hoping, won’t do anything except help you to stay positive, (important, yes,) and until you do something different, nothing will be different.
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Nothing to it, but to do it!