Thursday, October 30, 2014

Re-building Credit after Hitting Bottom Due to Drugs and Alcohol

Most of us have hit a bottom in our life leaving behind unpaid bills and bad credit. It is not unusual to be in such a situation after drinking and drugging. So I decided to tell you how I got my credit back after being below a 500 score on FICO. It is very easy to do, and it does take time. Here are a few tips that worked for me, and I actually have driven my credit rating up to 710 and have new credit cards.

The first thing is all those letters you get for being behind, forget them. Do not pay them. Find a credit company online that will work with you in deleting these negative remarks. Even if you owe on these they can be destroyed. It cost money but only about 45 a month, I don't want to endorse anyone, but hunt around for anyone that charges about that much. They usually dispute up to 5 items on your credit report and it actually works.

After that is done, your credit score will start to rise after a month or two, and you will be eligible for credit cards at the following companies. The score you will need to have is about a 600, Wallmart, Target, and Barclay Visa, JC Penny, Exxon, and others. These are the cards I was able to obtain. However be careful and do not max them out ..They all give pretty good credit to you even at a poor score of 600. They help you build credit if you let them sit and don't spend on them. Conns is a easy credit card store to get credit from. Besst Buy is another one that I found to be easy to get...

Too many cards can drive you stir crazy also if you start using them, pay them on time..Pay the full balance or more than the minimum payment..I made the mistake of maxing out my Visa cards and it has hurt my score again, so be careful.

If you need to take out a loan and have a credit score of 600 chose Springleaf Financial, they are reasonable, and they will loan on about 4k in money at 30 percent interest..Sometimes that is better on your higher interest  cards.

I just thought I would mention this because I have been working on my credit for only 10 months now and I am fine as long as I can pay my bills..Good luck and God Bless..Chris Hyer10.30.2014

Monday, October 27, 2014

Focused and Sober , Today!!

There are a lot of good things that happen when you stay sober, and one of them is being focused on your life and what's around you. I have been through many trials and tribulations while in the last six years of my sobriety. We all have been in actuality. How we handle these issues when they arise is a proven ability of God working within us. If you truly believe in God and pray for others and yourself, you will always be alright in the outcome of the possibilities of nature and life. Staying focused on what you are doing and saying is key to living sober.

Stay Focused!!
I have been staying focused on my spiritual program for a long time. Even when I was drinking I was in complete contact with God, as I remember back. I , did however use my conscious contact with God in a different manner, than I do now. I am a more caring person that makes things happen, good and not so good. I make mistakes but I know when and how I did these mistakes now.

I have found a new love in life that I cannot explain. A new reason to get up early and get ready for the coming day and to see what awaits me. SOmetimes it's not exactly what I want but that is life. I do the job and I end up feeling good about what I have done. Never fails!! God Bless and Stay Focused!!Chris 10.27.2014