My Poor Credit Score...I Finally Said Enough Is Enough

They said to wait 7 to 10 years but I didn't listen...

Ever feel like a hamster in a wheel?

That was me for the first few years of trying to fix my credit —or more like having my credit running me.

In this week’s post I share what changed to turn it all around and why this is your next step to getting more negative items removed from your credit report and a higher credit score. And how it all started with some advice I got from a credit expert that changed my life.

There are a lot more fun ways to be broke than working all of the time. And that is exactly what I did. I was broke and worked all. Of. The. Time.

I was basically a hamster in a wheel. I would be struggling, I would be using one credit card to pay off another, I would apply for loans I knew I could not afford to pay back, block every number of a bill collector I recognized, and rack my brain for how I could improve my credit scores.

Constantly, my bank account was in the negative. I would wake up every single night at 3:00 in the morning when that bank account rolled over, knowing that I was looking to see which check had bounced, and what had gone wrong the night before.

Until one day when I was forced to change. I had a baby, my daughter Zarielle. When she was only a week old and I needed to be home with her, something big happened. Unfortunately (later I would learn fortunately), it was then that I got a letter from the bank telling me that they weren’t going to cover my overdrafts anymore. This crazy pants method I had relied on for years of working myself to death and running my bank account into the negative wasn’t going to cut it.

So what was I going to do? Cry? Crumble? Go bankrupt?

At this point, most people would retreat. But I’m guessing that you’re like me, because you’re reading a post about success and you seek more.

I knew there was more. I knew there had to be a better way, so I didn’t crumble. I did what a woman of faith would do. I prayed. I prayed for something different to come into my life so I would not keep doing the same thing over and over again, because the results weren’t what I wanted.

It was then that a friend invited me to a credit repair seminar. It blew my mind. It blew away everything I knew. For the first time, I discovered that better credit after turmoil is really possible.

I, who had been wishing and struggling for so long, could finally control my future. I didn’t have to keep wishing that something would change. I could actually make the change happen.

The problem was I didn't have enough money to purchase the training that I knew I needed to change my credit around.

What was I going to do? I wasn’t going to keep doing what I had been, because it wasn’t working. I had to find something different. So I got some money together which was the remaining of my savings and the rest came from my loving, supportive dad.

Once I completed the training, I experimented. I put those advanced credit repair techniques into place and applied them to what I knew about credit repair. And it worked. I stopped having to waste money. I stopped having to see constant credit denials and stopped being harassed by bill collectors.

I hate when people say, “It takes 7 to 10 years to have better credit” We’ve all heard that, but how are you supposed to put your whole life on hold for 7 to 10 years? I sure didn’t believe that.

Finally, I found a way to grow my credit score without wasting time and money. In fact, I was able to discover a way to boost my credit scores over 200 points.

In one year of putting this system into place I was able to finally achieve a 785 and start my very own credit repair company. I went from literally 8 collections 2 judgements and maxed out credit cards to an excellent credit rating, because I had made a commitment to myself and my daughter that I would do whatever I had to do from the very beginning to take care of us, to now helping others improve their credit rating. Because this system works.

Amazingly, I went on to write my book The Credit Repair Blueprint and have helped many people just like you and me improve their credit score in the same way using the same exact tactics I want to share with you.

We can control what happens next. We can control how our credit grows. We attract what our financial future looks like. You can take what I’m going to show you today and you can use it to turn your credit score into one that you love, that you are proud of, and that is producing what you are meant to have.

I’ve had the pleasure of working with incredible people and other business owners, which bring me in to boost their credit scores so they can also achieve their financial goals.

But the biggest blessing of my life is that I get to have a life now. I can vacation with my daughter and spend quality time with her.

I can spend my time with my passions of helping others improve their credit instead of worrying about how I'm going to get approved for a reliable car..

Want to discover how you can eliminate negative items from your credit and watch your credit scores increase? CLICK HERE TO REGISTER FOR FREE TRAINING where I go over the 7 STEPS TO A 750 CREDIT SCORE.

Cheers to Better Credit,

xo Stephanie

Stephanie Lawrence