This Article is About
bad credit
checkout lane
tread mill
look on your face
head in the sand
light at the end of the tunnel
cashier
grocery store
paycheck
payday loan
credit cards
devil
fly
Bad Credit Sucks Fix It Now
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Bad Credit Sucks Fix It Now

Are you ready to change? Have you been turned down for a loan recently?

Have swiped your credit while in the checkout lane in the grocery store with you hands behind your back hoping that the cashier won't tell you that your credit card had been decline?

As you stand there with this puzzled look on your face you ask here to try it again because you know there must be something wrong.

The cashier tries it again an then hands you back your card and asks for another form or payment. How embarrassing is that? I've been there and it is very humiliating.

Fortunately, in my case I did have cash to pay for the items I wanted to purchase. But, I'm here to tell that bad credit sucks fix it now! Until you've walked a mile in my shoes don't criticize me.

Some of you know what I'm talking, I bet you do. Now things have gotten better and I want to tell that there is light at the end of the tunnel.

With a lot a hard work, you too, can begin to tread water. Then slow but surely, then you actually float in the water. And from there you will actually begin to swim. But, we all have to start somewhere and right now, if you're where I was then you doing all you can to keep from drowning.

You'll know if you're drowning, if you are using the Payday loan stores as an extension of your paycheck, then you are drowning! If you thought living off your credit cards were bad, wait until you get on the payday load store tread mill.

That's even worse. I see people all the time coming in and out of those stores. If only I were a fly on the the wall of their homes, wow!

Wake up! You, can fix this problem! I'm here to tell you how. Stop sticking your head in the sand and look that bad credit devil square in the eye, tell him that enough is enough!

Do it now! And, then you start running in the opposite direction and run as fast as you can.

You can start by getting organized this is your first step.

There are several things that you will need to implement to get yourself back on track. After getting yourself organized then I want you to think outside the box for a moment.

There are step that you will begin to take to get your credit fix, but in the interim I want you to consider this step as another means of getting you pointed in the right direction.

I want you to think about the possibility that you can increase your High Credit limit almost over night. I hear you asking, just how can I do that? Well, I'm glad you asked that question.

Subprime Credit Cards

I want you to consider getting yourself a sub prime credit card. What is a sub-prime credit card. It is a credit card that you would normally find from merchant catalogs. These cards are the ones that allow you to purchase merchandise from them and they will even grant you a $5,000 line of credit. The caveat here is that these companies report to the credit bureaus.

The great thing about this is on your credit report it looks just like a regular unsecured line of credit. So while you make you payments on time you are adding positive credit to your credit history.

You want to be sure that you keep you debt to ratio low. Which means that you want to spend between 25 to 30 percent on this card at a time. You want to be able to pay off this card in full at the end of the month.

Make sure that you do whatever is necessary to make this payment because you're on a mission here and that is to change your life around. When you bad credit sucks it time to make drastic changes. So if you have to dumpster dive to get money to make your payment on-time, then do it!

Find These Merchant Cards

Go to Google and do a search for sub prime merchant cards and you'll get a slew of them. They are out there you just have to look for them. Do your do diligent you only want to deal with reputable merchants.

Also, make sure they do report to at least one credit bureaus. They may not report to all three, but one will suffice.

When you continue to make your payments on time in about six months you will begin to have traction and things will begin to escalate from there. In no time flat, you will begin to get offers in your mailbox for unsecured credit cards.

But, don't stop there. This is just one technique that you are going to use to get things rolling. There still the matter of cleaning up your credit report that we haven't worked on yet.


Street Talk

Deshinali  

Nice article Jackie :)

Reply
  about 8 years ago

Thanks Dooreen. I'm working hard. Thanks for your support.

Reply
  about 8 years ago
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