If you look through some of my older blog posts, you’ll see that my financial life hasn’t been ideal. The sporadic posts ought to be a clue to that. I’ve had success in working for myself, but when things got rough, they got rough. It is tough when you want to go a different route from working a “regular” job. I went to college for four years but never graduated (that’s a post for another time) and with all of my experience in retail in some capacity, it hasn’t been easy trying to break into a new field. Unfortunately, retail isn’t the best-paying industry to be in, although you can work your way up the ladder. I’ve always had this desire to be independent. No risk, no reward, right? This is true, but with risk there’s always the chance of setbacks. I’ve always kept a part-time job while I did a lot of independent work, but with Murphy’s Law, it felt like everything bad that could’ve happened, happened all within a short timeframe.
My credit score dropped to 464.
I literally dropped everything, packed as much of our belongings as I could fit in my car and moved myself and my newborn daughter out of state to where my sister and mom lived. Unfortunately, finding a new job wasn’t an easy task and it was difficult to stay optimistic. It took me nearly a year to find a job that I could/would keep. Heaven knows I’ve been through several, but I’ve had one part-time job that has been faithful for the past two years and have had two supervisors on that job that have at least acted as though they cared about my life. That’s a huge blessing!
The change began to take place in August 2016.
Upon the passing of a friend of mine, I had to reevaluate what I wanted to accomplish. When all else fails, I write. If I’m stressed, I write. When I’m happy, I write. When I feel creative, I write. I had decided earlier in the year that it was time to really pursue writing, so I began putting serious effort into blogging my creative work. When my friend passed away, I knew I had to publish my first book. I buckled down and got it done. However, there was still so much to be done as far as marketing and prepping for the next book. And in all of the motivational material I read and watched, I learned about something called The Law of Attraction. Regardless of what you may feel about spirituality or philosophy, it is undeniable that writing down your goals and intentions and applying positive affirmations can help in changing your situation into one you desire. Writing down what you want, making it clear, can help release whatever mental blocks you may have so you’ll be more open to recognizing opportunities that’ll put you closer to achieving your goals. I said that I was tired of being broke and I needed a change. I imagined what it would be like to have everything that I desired and began to think differently about my relationship with money. For me, it wasn’t actually having cash that I desire, but the security that comes along with having an abundance of cash. What all can I do with all of the money I desire? What else can I do aside from pay bills and die? Having a home is essential, but outside of that, what is my purpose? Once I figured out what was motivating me, things began to take a turn.
There’s a woman named Tiffany O. Aliche and she calls herself the Budgetnista. I came across one of her posts on social media about her financial ups and downs and how she overcame her obstacles and I was inspired. From that post, I learned that she also had a group on Facebook called Dream Catchers: Live Richer, so I joined. What of wealth of information there was to receive from this group of like-minded people! Everyone was so encouraging. I kept seeing posts from members excited about paying off credit cards, purchasing homes, and reaching their savings goals. I wanted to share my good news, too! The only thing stopping me was that I, first, needed to get some good news. For a while, I just followed the posts in the group, still a little discouraged because I thought in order for me to become financially free like some of these people, I had to pay off all of the negative (and there was nothing but negative) that was on my credit report. How happy was I when I learned I was wrong!
I learned to dispute negative marks.
I didn’t dispute anything by myself at first. After browsing Dream Catchers I learned of a service called CollectionShield360 (CS360). CollectionShield360 is a service that disputes negative marks on your credit on your behalf and it is totally free. The only time you would pay anything would be if the dispute resulted in you receiving a refund or judgment from, then CS360 would take a percentage of whatever that amount is. I allowed them to do their work and they removed 3 negative items from my credit and I didn’t pay a dime. My score was raised from 464 up to around 480. Not much change, but it was a start. Using Credit Karma I disputed a couple of more things and had them removed, which actually caused my credit score to drop a few points (I later learned about the effects of closing and removing accounts regardless of whether they’re negative.)
In : Credit
Tags: credit credit repair money finance financial security
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