29 People Helped
Member Since: January 2012
Wow. Really? People want to blame the credit card bureau because they can't manage their money?? C'mon people! I have made mistakes with my credit but I take responsibility for them because... well... um... IT WAS MY FAULT. Instead of blaming others for my mistakes, I am doing something about it.
Credit Karma is GREAT for giving us some tools to help improve our credit scores. And.... IT'S FREE!!! Thanks for all your help CK!!!! Geez! Some of you people would complain if they were going to hang you with a brand new rope.
Bottom Line: IF you make mistakes with your credit, start the healing process - Make your payments on time and build your credit back up to a respectable level without putting yourself in too deep of a hole. Chances are you didn't screw it up overnight and it's not going to get fixed overnight. I am at 5 years out of 7 years after my mistakes. I have another 2 years to go before everything is cleared. I have been working at it for over 2 years and have seen my score rise about 90 points. But it works! Recently bought a house and a new vehicle.
Here is an idea: Live within your means and leave room for the "hard times." If you can afford a $40,000 new vehicle, buy a $30,000 vehicle instead. Better yet, buy a $10,000 used vehicle and save up the money you are saving. IF you can afford a $200,000, buy one for $150,000 instead. If you can't afford a house and a car, GET A SECOND JOB... or in the case of some whiners out there - get a first job.
Whatever you do, stop crying that it is someone else's fault
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