Credit Repair for the Perpetually Broke
Contributed by Melissa Knight
I'm Too Broke to Repair my Credit!
Maybe you are thinking, that's why my credit is bad, because I'm always broke! I know where you stand, I was exactly the same way! I desperately needed to repair my credit and I had no idea where to start. I was always broke and couldn't seem to pay my bills at all, let alone on time. It seemed that I would NEVER be able to take the steps to repair my credit.
Resources on Credit Repair
So, I read a few articles on credit repair, checked out a few books on credit repair and came to the conclusion that none of them had exactly what I needed to find out about repairing MY credit.
Apply the Credit Repair Advice to Your Life
I went through and wrote down all the things the credit repair experts said that were in common with each other and wrote down the things that I could do on my budget. What the heck? I was already broke, so as long as I didn't have to come up with any money, it wasn't going to kill me to try.
My personal credit repair "reality list" looked like this:
1. Pay yourself first. All the experts agree that whether you are trying to repair your credit, or establish a nest egg, or just trying to get through life, you need to establish some sort of savings account and decide on an amount to put away per pay check. Even if it is only something like $50.00 per pay check, this should be the amount you put away no matter what.
