I am married with 4 kids and to your surprise I just recently figured out what credit was and how important it was in the last few years. I always thought that if you wanted a car loan you just had to ask and they would give it to you. I did not understand what all it took for the bank to actually say yes. I wish that I would of known more about credit a lot sooner in life then now.
My credit is far from perfect as anybody elses by the time I realized what credit was I had a score of 360. I had several accounts in collections because I never thought that “oh I dont want this so I will stop paying for it” attitude would ever hurt me later in life But oh I was wrong.
My credit score 1 year later is 590 Still not the greatest credit score banks would like to see. However I am on my way to credit redemption. In later articles I am going to talk about how I achieved a 200+ point jump in my credit score in just 1 year. I will also be talking about programs, apps, websites, and life changes I made that have helped me.
I will also explain how to use the the website, program, or app when I talk about them so you can benefit from them as well as I have. I hope to see you reading my later articles.
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