Earlier this week, an OrganizingLA Client had her identity stolen from the US Mail system, and she got the bad news from someone working at the FBI. The Client’s really worried, and by all accounts, she’s going to have to spend a great deal of time repairing the damage to her credit.
Credit is the kind of thing that can make or break you (I know, not good news for our Client.) Did you know you could be a high-income earner, paying bills on time, without ever having a collection … and still have a low or average credit score that’s costing you hundreds of dollars each month? You can.
My friend Phil X. Tirone, Mortgage Broker and Author, created "7 Steps to 720," a no-nonsense credit repair program which includes a book, workbook and audio CD package. Phil has provided the OrganizingLA Blog with his 10 secret steps for repairing or improving your credit. Take a look.
10 Steps to Organize Your Finances to Promote Good Credit:
- Create a budget.
- If in debt, live like a rich person – be frugal.
- Use technology to keep your bills current.
- Review credit cards and bank statements monthly.
- Pull your credit report at least once every six months.
- Use the same name when applying for credit.
- Avoid being a co-signer.
- Keep your accounts active.
- Protect your accounts before and after divorce.
- Review these steps regularly.
Phil is a successful, top producer at United Pacific Mortgage in West Los Angeles. You don’t need to live in Southern California to apply his proprietary system on winning the credit score game– the rules are still the same everywhere.
Nightingale-Conant is the largest producer and publisher of personal development products in the world. For over 45 years, they have been bringing people the information, skills, and motivation needed to create the life of their dreams.
If readers have accounts from the front lines at the credit department, or some tips for readers, we’d love to hear them! Please comment below.
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