I have spent many of my younger years with just awful credit. I have no one to blame for this other then myself. About 10 years ago I started getting my credit score to improve. I was able to get a couple of credit cards as well as a car loan. The interest rates were not the best but things were getting better. I paid everything on time or early. Things were getting to point I was considering buying a house. The the tech bubble busted. The company I worked for closed its doors and I was out of a job. Spent the next 9 months unemployed. Ran out of unemployment so, I went to work for Wataburger here in Austin. It was a rough transition but I was still able to pay my rent and car payment. My credit cards were another story. So, after almost a year of that I was able to get a job back in the tech industry. However, I was still only making about the same as with Wataburger. I was working days though. I did this job for about a year as well before I found a new job that doubled my pay. During this time was in the process of getting married. Within a few weeks of getting my new job my wife lost her job.
Jump ahead to today. I am not married any more I am still working and making almost as much as I did a several years ago. I have been able to get a couple of new credit cards as well as got a loan using my car as collateral. With these and steady reviews of my credit reports I expect to get things back in good shape. What I am going to do is blog about what I do that works and doesn’t work.
One of the things I am looking is using a service to try to do something to improve my credit score. I will include who I go with and what results I have using them here.
Keep checking back to see how things work out.