Your credit may be bruised and abused, but there's plenty of different ways to improve it. It may take a little time - and maybe an act of Congress - but it can be done. :)
Out of the many strategies and tactics that can be used to help restore your credit, nothing can replace knowledge and accountability.
Both play a vital role in the credit restoration process and if either is ignored, your chance of credit success - especially long-term success - is slim.
Now I can help you take care of the knowledge part. After all, the very core of my business is helping you "get smart about your credit."
But when it comes to accountability, that's something you have to take care of on your own.
I can give you all of the credit knowledge, tips and best practices in the world, and give your credit an overhaul by taking you through my credit restoration process, but if you refuse to implement what you learn and be more accountable for your financial actions, then it all just becomes pretty much a waste.
In order to improve your credit, become a smarter consumer, and move forward in life without repeating the credit mistakes and mishaps of your past, you must be willing to fully commit to the credit restoration process.
And part of that commitment involves being more accountable by kicking old, bad credit habits to the curb!
You can not continue to do things that cause bad credit - like maxing out credit cards, paying bills late, bouncing checks or ignoring your financial obligations - while going through the credit restoration process to achieve better credit.
That's like oil and water - the two simply do not mix!
If you don't ditch the bad credit habits and become more accountable with your money and finances, credit restoration will not have a snowball's chance in hell of working for you!