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On Dave Ramsey and Why You Shouldn’t Cut Up All Your Credit Cards

by Ryan

How Paying Off Debt Affects Your Credit Score

by Ryan

Ins and Outs of Debt Settlement Companies

by Ryan

Do I still have to pay if the account is not on my credit report?

by Ryan

Utilization: Maintaining The Right Credit Balance to Limit Ratio

Yoga

by Ryan

How to Pay Off Bills and Debt

by Ryan

10 Surefire Tips for Fixing Bad Credit

by Ryan

  • About Ryan

    I started this blog back in 2007 as a way to share my experiences with going from bad credit to great credit. In my early 20's, I made some money mistakes and ended up with a credit score of 520. I made it my mission to learn everything there is to know about credit and improve my situation. This blog documents my journey. I hope you can use the steps I took to improve your own situation.
  • Popular Posts

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    • On Dave Ramsey and Why You Shouldn’t Cut Up All Your Credit Cards
    • 3 Ways to Get a Late Payment Removed From Your Credit Report
    • Utilization: Maintaining The Right Credit Balance to Limit Ratio
    • Want a Collection Entry Removed From Your Credit Report? Try Asking.
    • Negotiation Letters Will NOT Work On Student Loans
    Recent Posts

    Recent Posts

    • 3 Tactics To Get A Collection Removed From Your Credit Report
    • Budgetable Infographic – Bad Credit Guide
    • Closed At Customer’s Request — Is Your Credit Score Affected?
    • Manage Your Debt Snowball With Creditable
    • On Dave Ramsey and Why You Shouldn’t Cut Up All Your Credit Cards
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