Thank you CreditRepair.com for sponsoring this post. CreditRepair.com’s team understands that a credit score is not just a number; it’s a lifestyle.
Being an entrepreneur is not for the faint of heart. In my career as a holistic health & wellness coach (and an overall wellness entrepreneur, with several projects under that umbrella), I’ve gotten to experience my fair share of financial mistakes.
Over the years I’ve been super vocal about how our overall wellness INCLUDES financial wellness. You can’t be well and broke. You can’t be truly well and thriving, with a bad credit score.
Healthy women take care of their financial wellness, and their credit… period!
That’s why I’m super happy that CreditRepair.com is sponsoring this blog post, so I can share a bit of my entrepreneurial credit journey when I first moved here to U.S.
As soon as you become a permanent legal resident of United States, you are able to start developing a credit history, and (hopefully) a good one.
Alas, that was not my case… with inexperience comes the mistakes.
Being the goal-getter I am, I immediately legally constituted my company and started making money. I am grateful that for me, making money —making good money, has never been an issue. But I had lots of trouble managing it and keeping tabs on how my overspending and lack of organization with payment deadlines, would later hurt my newly acquired (very clean and nice) credit score.
In short, my finances were trash.
Before I knew it, I had already dropped almost 200 points… ouch!
As an individual, and as a business owner that might later need credit lines for my business that was NO BUENO at all.
But live and learn mi gente, live and learn!
That’s where CreditRepair.com comes in, and why the service they provide is SO important!
CreditRepair.com is a leading provider of credit report repair services in the United States. They are a team of credit professionals who educate and empower individuals to achieve the credit scores they deserve.
They provide you with a personal online dashboard, a credit score tracker and analysis, creditor and bureau interactions, text and email alerts, mobile apps, and credit monitoring.
I took the following steps to start healing my credit score:
- Got my credit report, and spent time navigating CreditRepair.com website so I could know the right path to follow and where I was standing at the moment.
- Started paying my bills on time… duh! (Believe it or not, I used to struggle with this just because I did not keep tabs on my dates. I was not organized at all).
- I had two credit cards, so I made a plan to pay off the one with the highest interest first (while still making payments to the other one).
- As I started making payments and lowered the amount of money I used on my cards.
- Became a ninja at not surpassing the 30% threshold of usage of my credit card balance.
This is what I did, for MY specific situation.
But of course, every case and every person is different so you might need a different approach, maybe be more aggressive, or perhaps you’ll have easier tasks than I did.
Your credit score is not written in stone, and you are more than a credit score.
But your credit won’t fix itself. So getting help from professionals like CreditRepair.com makes all the sense to be honest because we don’t have all the answers.
I know I felt so amazing when I saw the improvements in my score, and the fact that my credit score is not a liability to me anymore but an asset. This is super important to me, especially as a businesswoman.
Let me tell you, that’s a GREAT feeling!
Hope the info serves you, and let me know if you want me to keep writing more about my entrepreneurial journey. I think there’s so much taboo on sharing our hiccups, and we only share our wins.
But I feel this type of info is equally important.
Talk to you soon!