Showing posts with label Credit. Show all posts
Showing posts with label Credit. Show all posts

Tuesday, May 19, 2015

Staying Sober Through The Day

Work seems to help me and keeping my attitude towards God , and prayer keeps my mind offf of the drink thing. During the day I listen to music while I drive to different accounts around the area I live. I enjoy my music and my car, so most of the time I am occupied by work and driving during the day. I have been known to do a little bit of gambling online when I am not working a full day and I don't think this is positive for anyone. Like , I said from the beginning I am only human and I write this blog to keep track of my progress through the years of sobriety.
I attend AA meetings twice a week and sometimes more and sometimes not at all. I do find a spiritual connection when I go and I am glad when I go . The problem during the week is when I get home from a long day, I cook and feed and play with my Labrador and then relax playing my music and eat and then go to bed. Its been a good habit , yet sometimes a break in my habits are good also.I don't usually break my haits of prayer in the morning or in the day then evening. This has become a ritual of mine daily and seems to also keep myself sane and sober at the same time. 
I think the worst part of sobriety is to have idle hands where you don't have anything to do but search the web and just see whats going on. It can be depressing and it can be enlightening. For me, I do a little of both each day.
I have seven years of sobriety in a few days and it seems long yet it was short. The growing up I have done is remarkable thanks be to God. I attribute my sobriety to the spiritual side of the AA program and to the many friends I have in AA. The Big Book also has been a great way for me to understand myself as well. I hope this helps other people in their trek for staying sober as we all live different lives and situations. I still have money issues even with a good paying job, that is my fault but they are slowly getting better by the month as I pay down bills. Nobody said being sober and a good citizen of the world is easy but it can be if you let it be..Chris

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