TIPS FOR REPAIRING BAD CREDIT
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Over the last year and a half, I have been working hard to rebuild my credit. It’s not easy to talk about bad credit, as it’s embarrassing to share how you got bad credit in the first place. Today, I’m going to honestly share my credit repair story. I hope that through hearing my story and reading my three tips, you will feel less alone and inspired to rebuild your credit score!
If you’ve been following my blog for a while now, you know that a year and a half ago I became a single mom after going through my divorce. Not only did I have over $30K in student loans, but within a few months I was also in debt $15K to my custody lawyer, $5K in unpaid bills from when my ex and I were together, and needed to pay more then $1,000 to get divorced and have my named changed. While all of this was happening, I had to buy a more reliable car and also needed to pay off Aimery’s hospital bills. Trying to pay all of this off while providing for Aimery on my own since I don’t receive support was overwhelming to say the least. My parents helped me SO much by allowing us to live in their home, but as you can imagine, I couldn’t keep up with all of the bills and didn’t even know how to move forward from it all. My credit score took a huge hit from it all and I never thought I would be able to rebuild my credit.
The first thing I did when I was trying to rebuild my credit was list out all of the the debt I owed and the minimum payments. After doing some research, I found that even though a late payment from a creditor may seem harmless, it can have long-standing consequences like staying on your report for seven years! With that information, I knew I had to start making some payments. I made a few calls and was able to get on a payment plan for Aimery’s hospital bills and a few other overdue bills. Also, if you are a single parent, you may also qualify for programs to help you pay off your bills based on your income. Don’t be afraid to ask for help! After listing out everything I owed, I began making minimum payments and started to pay off bills whatever bills I could. Within a few months, I was able to pay off most of my bills, leaving me with just my student loans, car payment, and lawyer fees.
The next thing I did was make a budget, and I forced myself to stick to it! Over the last year, I have been really careful with how I spend money. I do my best to stick to a budget and only buy things that we need. I have been able to pay off my car, custody fees, and I’m even close to paying off my student loans. It’s crazy to think that just a year and a half ago I had really bad credit and was drowning in debt. Now, I am in the best financial position I have ever been. Anything is possible!
A really great way to rebuild your credit is through working with Lexington Law Firm. Lexington Law believes that you have rights to a fair credit report. Whether you are a single mom going through a divorce like I was, or you are just struggling to keep up with your bills or pay your student loans, Lexington Law can help with your credit repair process by using their power of knowledge and the law to fight for their clients’ rights to good credit. Starting at just $24.95 per month, Lexington Law Firm offers packages that meet every client’s needs to help them get back on their feet after bad credit. When you decide to work with Lexington Law, you can feel comfortable knowing that you are working with experts that have a deep knowledge of consumer protection laws. They know how to leverage them for the consumer’s benefit to help you repair your credit. You can have peace of mind knowing that the legal experts at Lexington Law are going to fight for your rights. You can get more information about Lexington Law here.