Improving One Life At A Time

My father always told me that it is better to have good credit and no money then to have plenty of money and bad credit. This always stuck with me. Now my work is all about improving people’s credit.

 

My quest began when I changed careers to begin working for a mortgage broker who hired me specifically to run his credit division. He wanted to do seminars to help clients improve their credit score to get into a home with a good mortgage interest rate.

 

I began learning about the industry and we arranged our first seminar to educate our clients on credit. Four people attended our first seminar. At first I was disappointed at the low turnout, but then I noticed that all four of them looked like they were overwhelmed and having trouble breathing before the seminar started.

 

As the seminar proceeded, it was obvious that they all began to breathe a little easier.  By the time the seminar ended, they were all in a great mood and breathing sighs of relief because they were able to see a new possibility for themselves.

 

We had made a difference in the lives of four people in one day. Being able to help those four people breathe easier was a turning point for me. This was how I was going to achieve my goal of improving one life at a time.

 

I had to learn the system and master it to make this dream come true. In my research, I learned that according to the three credit bureaus, 50-percent of Americans have a less than 692 credit score, and according to research, 80-percent of Americans have an error on their credit report that they do not even know about.

 

In this day and age, credit is king. Especially now in this credit crisis we are having in America. We, as Americans, are judged because of our credit score and yet we do not know the rules of the credit game.

 

Imagine being judged because you do not know how to play a certain game, like croquet, for example. Not all Americans know how to play croquet. Would that be fair?

 

Everything we do involves credit. When we rent an apartment, get a credit card, open a bank account, get a cell phone, apply for a job, get cable or internet service,, buy a car, or  buy a house, we are evaluated based on our credit score.

 

My goal is to make these life events easier for all Americans. All Americans should be able to breathe easier knowing that they have control over their credit score.

 

Educating Americans on what credit entails and how to improve their credit score will not only help them improve their financial situation and their overall life but will help them maintain it as well.