Too many people drowning in a sea of debt focus on what their credit looks like; it’s like a deer caught in the headlights. People are frozen with fear and usually choose to do nothing.
Guess what, if you are in so much debt you are unable to dig yourself out you need to figure out your priorities. Getting debt free should trump credit every time. You can’t have both.
I’m simply blown away when folks hold onto a ton of debt they can’t afford for the sake of what they think is a great credit rating. Here’s a shift in thinking for you; if you already have so much debt that you are drowning in it, what exactly do you need credit for right now? To get into more debt?
If you are unsure of what to do, get your head out of the sand and take a good look in the mirror. The person staring back at you got you into this jam, and guess what, that same person has the power to get you out.
If worrying about your credit rating has paralyzed you let me make this analogy. If your house was burning down, would you really worry about the fire department tromping all over your rose garden outside as they put out the fire? No; exactly. Credit is like your rose bed, it’s easy to rebuild in a season. A burning house, like debt, is a much more severe problem.
Don’t procrastinate, negotiate your debt.
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PS Most people who have debt, think they have great credit, but don’t
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