Facts And Falsities About Fixing Your Credit

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It’s a lifestyle, not a diet

That’s a mental shift many who have successfully lost weight made: the understanding that fixing things isn’t about short-term, drastic measures, but rather a new lifestyle that’s there to stay. The same should be said for fixing or building credit. “The reason I am here is that I know what it’s like to lose everything. I hit rock bottom with everything. You can rebuild,” Humphrey says. “Nobody expected COVID to happen. If your finances took a dip, you can get back into it. Budget. Commit to saving. Commit to utilizing tools like Self Financial if your credit took a dip or you don’t have any.” Humphrey didn’t use any credit repair services to go from her score in the 300s to her current score in the 800s. She just used financial education. But she says you need to know it will take time, because getting into a bad spot didn’t happen overnight, either. “It didn’t take me six months to get into the financial destruction path. I knew it wouldn’t be a quick fix. To get an excellent credit score that stays, you need a shift in mindset.”