Thank you CreditRepair.com for sponsoring this post. CreditRepair.com’s team understands that a credit score is not just a number; it’s a lifestyle.
I remember as soon as I turned 18 the credit card offers starting piling up in my mailbox. Small and large credit card companies were sending me all sorts of offers waiting for an excited teenager to accept.
The truth is- I knew absolutely nothing about anything credit related. I did not know what a credit score was, how it worked, or how it was calculated. I had no idea how to use a credit card or anything about interest fees. These were not parts of life I was prepared for or educated on in my home. I find that is the case in most Latino households- we just don’t talk about money or credit and how to manage it all. I was also not aware of services such as CreditRepair.com and the ways they can help you repair your credit and educate you on how to maintain a healthy one. As an eager 18 year old all you see is “money” being thrown at you and you don’t realize the consequences associated with it.
My Bad Credit Story
I began to apply for credit cards when I started college instead of taking out student loans with low interest for my books and supplies, etc. I charged those things onto my credit cards. I had no concept of what an interest rate is really there for and how that would come back and bite me in the butt. Minimum payments started to get larger and larger as I charged more and more and it got to the point where I felt like I was drowning.
What I did
When I started dating my now husband I was too embarrassed to tell him about my debt situation. So embarrassed that I did not open up about it until we were months away from our wedding date. I remember breaking down to him and explaining it all. Fortunately for me, my husband was very supportive and understanding and together we found a way to get out of it, but it was not easy and took some time. We did what we knew, but little did we know we could have totally used the help of CreditRepair.com ! For me repairing my credit meant huge lifestyle changes and changes in my spending habits. It meant putting every penny that was not for bills towards paying off debt and it left me at times feeling trapped.
What you can do for your credit
I had no idea that I could get out help from professionals, such as those at CreditRepair.com ! CreditRepair.com works with you to help you achieve the credit score and lifestyle you wish to achieve. Every situation is treated as unique as it is and you are given the tools and resources to live your life with healthy credit. I had to learn the hard way, but you don’t have to. With the help of CreditRepair.com you can achieve your credit dreams with the help of professionals and easily by providing members with a personal online dashboard, a credit score tracker and analysis, creditor and bureau interactions, text and email alerts, mobile apps and credit monitoring.
As a mother of four I am so much more cautious of my spending habits now and what I want to teach my kids, I don’t want them falling into the same traps I did. However, with CreditRepair.com I feel at ease to know there is someone there to help them if they do! For my husband and I taking care of our credit is the way we can achieve financial freedom and provide for our family. Don’t get caught up in the same holes I did, find some help! CreditRepair.com is there for you. Your credit score is not set for life and you can always work to improve it! You are more than a credit score! But don’t be afraid to ask for help to fix your credit! Get help from CreditRepair.com today with a free consultation and kickstart your credit repair journey today!