Why I Am Starting A Credit Blog

A couple of years ago I found myself 20 grand in debt –a mix of credit cards, random medical bills, and old college debt. I am starting this blog because when I decided to tackle the challenge of settling my debts and increasing my credit score I found that there were (and still are) very few resources on the internet to guide a person through this process. I simply wanted to hear someone’s personal experiences and suggestions. Unfortunately, at the time, I didn’t find the right resources and I became too impatient.

There are of course an array of websites that sell services that promise to increase your credit score, but in all honestly my logic could not justify paying someone to help me get out of debt –it seemed more like I would be getting myself in more debt. I have since learned that most of these companies (even the so-called nonprofit organizations) will indeed cost you more money than good they will do. I will talk more about this in another post, but in short: these companies aren’t in any better position to settle your debts than you –it’s not like they possess some secret relationship with creditors that allows them to negotiate.

The first steps I took to improve my credit score were all wrong and it cost me a lot of money that I could have otherwise saved. In the next post I will outline my first mistake and tell you the best way to go about it. Keep in mind that everyone’s situation is different and while many of the resources and steps provided on this blog will be helpful in determining a general method to go forward, some circumstances require different approaches. In this case please Send me an
. Also, if there is some information you can’t find on this blog, shoot me an email and I’d be glad to give you my two cents.

One last note: I’m not a debt or credit professional, but I did get myself out of a lot of debt and go from a credit score of 520 (horrible) to 750+ in about 2 years.


  1. Avatar Candida Ruiz March 22, 2008
  2. Avatar Seattle Credit Repair - Cobalt Credit Services June 14, 2011

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