Beating the Shame of Bad Credit

Having less than stellar credit can impact you in so many ways. We all know that people with lower credit scores pay more in finance charges. This means higher interest rates when you go to buy a home. Even when it comes to credit cards and financing a vehicle, the lower your credit score is the more you’ll pay to borrow money. If you are a renter, having poor credit can result in you being denied a lease. Imperfect credit can seem scary, but it shouldn’t be that way. Why?Because, your credit has no bearing on your value as a human being.

The Power of Shame

Everything is about perspective. Change your perspective and you can change your life. When and or if your credit score takes a hit, you have a choice.  You can choose to look at it as a reflection of who you are and what you have to offer the world. You can even choose to see it as a failure and somehow see yourself as a failure, or you can choose to see it for what it really is –just a number.…if your credit score takes a hit, you have a choice. Click To Tweet

In the article, You Are Not Your Credit Score: Credit and Self-Esteem, author Cynthia Drake states that having poor credit can impact a person’s self-esteem. She discusses how as Americans we look at the numbers; our weight, the amount of money in our bank accounts, and, especially, our credit score. We tend to use these numbers to judge ourselves and judge others. It’s time to stop.

The Truth About Credit

Improving your credit is easy. In terms of qualifying for a home, improving your credit is the easiest part to address in the qualification process. For instance, you will agree that can take years to earn more money or develop a longer work history on your job. However, improving your credit? Now, that can often be done in a matter of months. It just requires knowing how and there are so many resources out there that will walk you through, step-by-step, how to go from having poor credit to having stellar credit. Visit  to take a look at a book that we have used ourselves, “How to Remove All Negative Items From Your Credit Report for FREE,” by Riki Roash. In this book, Riki lays out very clearly, without any fluff, how you can go about removing negative items from your credit report. Using this book, along with taking the advice offerd on sites like is all you really need. Really, you can do this! You are more than your credit score and making the decision to improve your credit scores will change your life.Do you need help? If you want to improve your credit and build wealth for you and your family through homeownership, we want to help you. You don’t have to do it alone. Call 888-826-3774.