A new start? Yes, please! Who doesn't need, or want, a new start in something! We learn from our mistakes, isn't that what they say? Whose they, anyway?! Parents and anyone who has any knowledge about anything I guess....
As I mentioned before I started to blog because of my daughter and to catalogue her days and the things we do. I got this idea mainly from this BLOG. I love reading her blog. It breaks my heart, but makes me glad that this helps her try and start a new. If you have time read her blog, fair warning though. It will hurt to read how much hurt she has and how much she misses her baby princess. I feel like I know her personally, even though we've never met. I've learned SO much from her - she is an inspiration. Even if she doesn't know me.
Another new start working is.... repairing our credit! We recently went to a meeting to hopefully get a loan to get a house. It's a really cool program and they build the house for us and it's low mortgage and nice neighborhoods! I found out my credit score was 600. at best! ughh...
Hubby was sitting nice and straight after we found out our scores.. his is higher! Well. WHY!? I pay his bills too. (Yes, its our money, but I actually click the "pay here button" to pay them!). Well shoot. So I started googling. =)
This website is for Credit Repair. It has information you may or may not know. I'm young and don't really know a lot yet, so I had A LOT to learn. Learn I did. I read and read. If you've wondering where I've been the last few days.. this is it. Repairing our credit.
A great thing on her is that is shows what's the most risky that shows on your report. Bankruptcy is up there, but it can be helped!! I have medical collections and it's on the lower scale and easier to take care of. It also has Letters you can copy and paste and then conform them to your situation and send to the CRA's or actual debt holders. It tells you some things you should NEVER do. Like:
- Failing to disputing with the credit bureaus FIRST - sometimes they will initially be dropped off! So then you can fight in different ways on tougher stuff. Plus, you may need to take legal action and without a dispute FIRST, you don't have anything. =(
- Failing to document your efforts - I'm keeping a folder of EVERYTHING, just in case.
- Disputing items online. - don't do this!!
- Being unrealistic. - it may take awhile to fix if it's in real bad shape.
- Giving up. - don't give up, though!
*** All information was taken from the site cited above. The tab for the "5 mistakes" is in there.
Hope that helps somebody out there! Have a great weekend.
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