ATTENTION: For Those Who Are Serious About Taking Their Finances To The Next Level...

Smile Again, Don't Let Credit Issues Get You Down!

Your Credit Matters

Americans are in credit card debt – some quite deep.  Statistics show that the average American carries an average of $10,000 in credit card debt.  That’s a lot of money!  We are an instantaneous society meaning we want what we want when we want it.  So when we have a credit card, it’s often easy to just whip out the piece of plastic and charge purchases.

It’s not that we don’t intend to pay the bill – at least most of the time.  Most people have good intentions when it comes to their credit card debt.  They’ll pay the bill when they get their next paycheck, they’re expecting a cash windfall and they’ll pay the balance in full then, or they figure they can always make payments.  But sometimes life happens and circumstances step in preventing people from paying down their credit card debt which is how many people get into trouble.

While it’s possible to navigate the world with a poor credit score, it’s both inconvenient and costly. Poor credit can prevent the purchase of a home, car, or the ability to get a credit card.  Even if those things could still be accomplished, it’s far more expensive when your credit is poor. Poor credit can even limit your employment opportunities.

Unless your credit score is already above 750, raising it will bring you more opportunities and make it easier for you to claim the life you desire.   Take action today and protect your credit and financial future. The ramifications for having a low credit score can be serious.

The Fair Credit Reporting Act

The Fair Credit Reporting Act dictates what type of information can be on your credit report and how long it can be on there. This law also allows you to enforce your right to have accurate credit information reported, as well as have any errors from your credit report removed. When it comes to repairing your credit, this law can become your best friend.


Click Here to learn more about credit repair!

What goes into FICO® Scores

Five Reasons to Check Your Credit Report Regularly

Credit Building Resources


Rebuilding credit is a very important part of your journey of raising your credit score. I have identified one company that provides a merchandise card with a limit of up to $5,000.00. This card is designed for customers with challenged credit and is easy to get. 

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Build Credit and Savy Money

Self Lender is a financial technology company with a mission to help people build credit, particularly those who are new to credit or who might not have access to traditional financial products. 

Right now, they do this through offering their Credit Builder Account, which is an installment loan that enables people to build positive payment history (if they make their monthly payment on time) while they save money for a rainy day.

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The easiest way to build credit.

Build the good while removing the bad.  The road to good credit is significantly shorter if you’re building positive credit at the same time you’re getting rid of any negative items on your report.  Credit Builder Card allows you to establish primary positive trade lines in your name. 

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Black Card Credit is The Ultimate Credit Repair Guide to Life Without Limits! It includes step-by-step instructions on how you can establish, repair and build your credit score, bonus worksheets and  letter templates. For only $37

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