Bad Credit Blues

Are you discouraged, or feeling down and out
because of your credit score? Good News! There
is a way out...No need to suffer with "Bad
Credit Blues." Start with a reasonable plan to
get you focused on the goal ahead...Write down
your plan so that it sticks in your mind, and
review it at least once a day.

Choose which bills you must pay off first and
make a list according to priority. It may help to
start with the smallest amount first and then
progress to the larger amounts. As you get one
bill paid you can then add that payment to
one of the other bills.

Make yourself a time line in which you want to
have your credit under control. Be realistic
though and make the goal date far enough
away that you have time to make the progress
necessary to be successful. It may be 1 year or
it may be 5 years...it doesn't matter...just stick
with your plan and you can avoid personal
bankruptcy while improving your credit score.

Now---This next point is very important and I
promise it will help you get through this tough
time. When you are starting to feel down and
discouraged about your bad credit...Go outside
if at all possible and take a short, brisk walk,
even if it is raining. It will make you feel a
whole lot better and help you get through those
bad credit blues...Chin Up!
Sierra Sage