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Journal about motherhood, working, and everyday life. Dealing with the balance of life and depression... as well as making difficult decisions.
I've written under several names, Gabriel's Daughter, Linaklutz, Olivia's Mommy... it does not matter what name I use, it's still the same. Welcome to the DarkLight Abyss.
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5 Steps to a Higher FICO Credit Score1.) Be Punctual with payments. Know that late payments can lower your credit score. Paying your bills on time for several months can begin to raise it. So there is always hope for the future.
2.) Get Caught Up on past due accounts. If you're behind, the first step is to get current. Then start paying on time - the longer you do this, the better.
3.) Pay Down Your Accounts to < 50% of your available credit limit. If your balance is > 50% of your credit limit, paying more than the minimum due can drive your balance down and your credit score up.
4.) Give Yourself Time... A long history of responsible credit use can boost your score significantly. No matter what might have happened in the past, timeliness and responsibility can eventually help anyone establish good credit.
5.) Correct Credit Report Errors. Check your credit report regularly. If you find any errors contact the credit reporting agencies immediately. It is always a good idea to check to prevent identity theft.
Trying to learn some responsibility for my spending. WaMu has some great info to learn from. Know if only I understood my stock portfolio...
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