The true Cost of Not Fixing Personal Credit is hard to figure. But it can cost you thousands of dollars each year on interest, extra fees, and lost wages. Lenders, landlords, auto dealerships and others pull credit scores during the decision-making process. If you have excellent credit, you are treated like a king or queen. The experience is much different when your credit is poor. How would you like to be treated?
The cost of not fixing personal credit can cause a lot of issues. Sometimes employers pull a consumer report during the hiring process. You could miss a job that you desire just because of how you manage personal credit. This can compound your finance issues. You most likely miss opportunities due to credit issues.
https://creditforprogress.com/cost-of-not-fixing-personal-credit/
What Fixing Personal Credit Means
It is Not Getting Away with Not Paying
Credit recovery is not designed to help you avoid paying bills. It is about making corrections to credit report errors and building a desire to “make things right” and to “act right” financially. The aim is to help the individual to develop life patterns of responsibility, accountability, and financial freedom. It starts with cleaning up credit through the Fair Credit Reporting Act (FCRA).
So, What is a Good Credit Score?
For credit scores that range from 300 to 850, a credit score in the mid to high 600s or above is generally considered good. A score in the high 700s or 800s is considered excellent. About a third of consumers have FICO Scores that fall between 600 and 750—and an additional 48% have a higher score. In 2023, the average FICO Score in the U.S. was 715.
There is something special about fishing on Lake Ontario. One of God's gifts to mankind. This video is from a fishing trip we had there in July 2022. We are looking to make another visit up there soon.
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