How I did it: I have a steady job so there is no reason why my credit score should be so bad.  The reason is that I have made irresponsible choices in the past.  So this year I worked hard to fix these mistakes and I am happy to say that I am on my way. Here is what I did:

1. Reduced cable package to bare minimum
2. Turned in smart phone and went back to basic cell phone package
3. Reduced eating and snacking out to once per week
4. got a free credit report from safe gov site
5. Called all creditors listed on credit report and got a pay off amount
6. Got a loan from credit union to pay off all bad debts and clean my credit report
7. Put new loan on auto-pay to make sure it gets paid on time!
8. Include saving money as part of my monthly budget.

I reduced spending, paid off bad debts, and now I am focusing on savings.

Lessons & tips: Get your free credit report from the GOV not a site where you have to pay for it!

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Sep 12, 01:58PM PDT | 0 comments | 4 cheers