Its amazing how one can be at the same point they were ten years ago. Its crazy how history has a way of repeating itself. What we can do is react different and take a different course of action. Where we are today, doesn't mean its where we will be ten years from now. Almost at a mid-life crisis and, I want to file for bankruptcy because I need to improve my credit score.
What can you do to bring your credit score up
1. Pay bills on time
2. Open a secured card by putting your own money on it
3. Open a small loan you can afford to pay off a credit card with high interest
4. Keep low balances on Credit Cards
5. Don't close unused cards its better to keep open with no balance (I didn't know this one)
6. Get a credit card for paying utility and phone bill on time
7. Pay down revolving balance on loans to less than 30 Percent
8. Remove recent late payments
9. Raise your Credit Limits
10. Charge small amounts to inactive credit cards
11. Get Credit
12. Clean up your credit report
13. Pay down your balances
14. Negotiate outstanding balances
15. Dispute errors on your report or bill statement
16. Keep using your credit cards
17. Get insurance on your card and protect it from identity theft
18. Never be late with payments
19. Obtain your credit report yearly and do a financial check on your accounts and assets: AnnualCreditReport.com
20. Know your limits and only use 1/3 of your balance
21. Avoid Non-Official Credit card offers
22. Be mindful of your spending and keep track of it
