My focus these days has been on my family’s financial well being. I do a lot of little things that really add up and help. I’m not a financial expert, and I’m not rich. But, I do manage to save a decent amount of money. I’m definitely on the right track and will keep expanding on this.

I think it’s time to get back to working on my credit.

Over the years, it has been all over the place. I have learned a bit about how to manage things better. In 2017, I set a goal to rebuild my credit because my score was severely damaged. By 2018, I had it up over 700, and was able to approved to buy a decent home on my own credit. Before I got that opportunity, some major life events took place and my credit quickly dropped. I’ve been trying to recover ever since.

Yesterday, I really thought about how I haven’t been making an honest effort. That’s why I decided to make it another one of my missions.

To begin this quest, I reviewed each report. I made a list of who I need to contact directly, who to dispute, and questionable things to look at further.

It’s important to at least verify that your information is correct, and let them know if it needs to be fixed. Your credit report follows you everywhere. There could be negative things that are not even yours, or have incorrect amounts and dates that was reported by creditors.

My next step was to actually take action. If you use Credit Karma, you can submit a dispute through the app. I did this with my oldest bill. Depending on the situation, you can also call them directly. I did that today as well. I just had a collection hit my credit, for not returning cable equipment in time. I called them and they set up a UPS pick up. She also advised me to contact the collection agency so they are aware we are working on having it removed.

I’m far from done, but I’m already making some progress towards my goal. It’s time to get side tracked with something else for a while.

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I appreciate it.