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

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

Travel and Sobriety

Today is travel day for me. I am headed to Orange County, Ca for work for one week. It is always nice to get  a break from thuis small town of Midland, Texas but I am still a bit unstable about flying and being sober. I don't worry about having to have a drink to fly. I just get caught up with anxiety over the entire trip. It is new every time I leave home, and now I have to leave behind my partner , Abbey. She is my dog.

However, I believe in God and he believes in me and all is going to be allright with this trip. I have a brother in Newport Beach , Ca. and he is picking me up at the airport and we will dine tonight before taking me to my hotel in Huntington Beach, Ca.. It seems over whelming this morning but I have read the bible and I am dressed to fly like a professional . I prefer to look as nice as I can , I am not sure why. In the

years people use to wear a suit and tie when flying by airlines, it was a privilege I guess. These days everyone just wears whatever, and that is fine with me, but I wear a sport coat and slacks , and just feel more comfortable looking nice.

I have been sober for over 5 years now and it just gets better each day. Even today is better than last year at this time when I had to fly to Chicago for work. That was very nervy yet this is also. I am calm , but anxious and this willl pass once I get going in the airports, I am positive. I just keep saying , Happy, Joyous, and free is what I am..I meditate and calm down. I love airplanes and I have seats next to the window like I like it so I have it all  going my way or God's way.

God protects me and guides me everyday and he will today..I have to let go and let God run the show again like I do every day. It is not easy task for a former alcoholic to do. It can be done though if tried. Well its that time to roll back the car and head to the airport, have a great day and God be with us all...Chris

Traveling and Being Sober

I will embark on a business trip this next week and I am looking forward to it however it has it's downfalls. I have a new puppy and she and I have really bonded, she is a Labrador and I feel like I am abandoning her to the Kennel . It actually feels like I have a child I have to take somewhere and leave cause Daddy is leaving her . The only thing is the dog does not know this. I tell her of course and I have discussed this in AA last night, but I can't help but feel sorry for my puppy and myself.
Being sober and having a companion like I have has made my life so much better. I highly suggest if your by yourself and have no puppy , you get one. It gives new meaning to life.

I now how someone to have responsibility for , even though it's just a dog. She is mine and we both play together and love each other. God knows this and some may think this is silly . But I can't stop thinking how lonely it is going to be not having her lick me when the alarm goes off in the morning , or how she is at night, sneaking underneath my bead to sleep. Me providing her comfort is what this is. It is nice to know that I can love another and be sober at the same time, even though it's just a dog.

I spoke enopugh on this subject now and it is time I take her, I just had to write this in my journal so I could get it it off my mind for  a little while. God Bless you all!!

A Dog in Sobriety

My New Puppy,"Abbey"09/04/2014

Funny thing about being sober and not having a wife is you sometimes can get lonely. I finally have a house now with a large backyard and I decided to get a puppy. Never had my own puppy before, and now I have had her for over one month and she is keen. Great for my company when I need her, which is all the time now. She has grown into knowing what is wrong and right at my house, well she is learning. I get frustrated with her, but I am kind to her and treat her as if she were human. She is my love of life!! I highly recommend you get a puppy if you can while going through this life of sobriety. It can be great to get out of yourself and help a dof and train her into being a fine animal.

It takes patience and sometimes I run short of this. It takes love and I am full of love for my dog. I have to be in California for a week this month and I dread having to take her to the kennel, I love her so much and don't want her to think I just left her. However, I give her up to God and I let life keep on happening and I will be ok as she will.It is a humbling experience to own a dog and make sure she is fed and is kept healthy and trained. Responsibility is the utmost importance with my puppy.I would not of taken care of a dog years ago. This puppy folows me everywhere and is so smart, I am grateful for my girl. Sobriety brings about many different avenues in our lives and this is one of those times where it really pays off in loving one another.

Have a good day and God bless you on your journey as it can get rocky , yet trust in God and your day will be ok. I know this as I live this way every day. Pray for his forgiveness and you will be forgiven. Sins are always there for us to initiate and God willing he will forgive these sins if we ask. Living sober has its benefits and having a puppy is one of them.  

Higher Power AT Work

Just some Girl...

God has blessed me with an understanding that I am not in control over my life!!He is in control over the way my day will turn out to be. He is with me and I am with him. Sometimes I imagine that God is sitting in the passenger side of my car and I talk to him and he just listens. This is great for me, as I am not alone ever. God is with me when I almost get in an accident and narrowly escape somehow. He is with me all times during the day. Letting go and letting him work inside me can be difficult also. I want to run the show at times, yet I really do not. God is forever arranging where I will be at and why.

Yes , I am sane and this is very true with my life. Any will run on self is not good. I pray in the mornings for God to be with me through the day and night and to make my judgements sane. I pray that all whom believe in God have a great day today. I pray for the world, indeed. I think this is powerful in my life and has lead to me being sober for so long. As I know that God is in control of my thoughts and my ways of dealing with other people. The rude , and the nice people of this world, is handled with care by me. I am a miracle of God and so are you!!

May God be with you today and tonight and ask for his direction in your day. Take a pause during stressful times and ask for his help in dealing with a situation you have no control over. He will help, this is a guarantee. Live this way of life and live sober and you will have a new beginning and a better ending. Have a Blessed Day and come back...Chris

Five Years Sober

Hello world and good day to you all. I have been sober since May 23rd, 2009 and life has been so much better for myself. I go to AA meetings and see a counselor every week for the last few years and my life has improved 200 percent. My old friends , I am not sure what became of them. So be it. I live another new life today than what I did at age 45. I live in Midland , Texas and was brought up in the oil patch all my life. There were times of course I strayed away for years to other cities in the country. Howeve, my home is still in Midland, Texas.

Staying sober in this town is easy , it's the living in this town that is hard to do. The obsession to drink has left my body and I also stopped smoking when I quit drinking at La Hacienda Treatment facility in Kerrville, Texas.Its been only five years so God only knows how far I can actually go with my life.

I have a new employer and being all powerful and abiding by their work ethics , I have maintained a stable job, that I love. I have blessed with my family members wanting to spend time with me. I have few friends and that is fine with me. I have quality friends instead of quatity. I have a renewed look upon life and how my life goes ahead in the future. I have a future now and it looks bright.

I wish all these good things to all of you in the world and try to just stay away from that first drink and I promise you will have a better life ahead of yourself. God Bless