Can You Repair Your Credit?

Do you have any issues with your credit? I know I do. As a matter of fact, I do not know anyone who does not.
So what can you do to repair credit? And do you need a company to do it or can you do things on your own?

Well I do know there are many things I can do myself to fix my credit problems. Some of them are simple as checking to see if what is on my credit reports are really my issues. If not you can dispute them to have them removed. Another is to find out if you have paid off an item or credit card and it is not reported. This happens all the time. You can make sure your good payoffs are reported to help fix your credit.

Now some people, myself included, can get confused on what your able to do and not do. So many of them use other companies to help them understand their options. And of course there is so much you can research online in order to help you understand. I know that I have used a company before when College Girl was young to help us out. They were able to educated us in things we needed to do.

Of course the biggest thing all of probably need the most is to learn to live within our means. Not an easy thing to do in this "give me the best of everything" world. But not impossible either. If we lower some of our expectations and look at life in more of what do we need not want attitudes. Then you find it is not really the hardest thing to do.

I would like to thank blogvertise for the information in this post.

Loaning our CG

Loans, loan forms, FASFA and more...it seems to be a never ending line of paperwork to keep the school loans coming. Poor College Girl, she is in the financial aid office each week trying to learn this maze of paperwork. And there is not much I can do to help her. First she has to do

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the paperwork herself at the school. And I need some major credit repair before anyone would be willing to let me be a cosigner for my lil CG.
So many of us in this economic upheaval are working on ways to fix your credit. I know that it has been a battle for me with having had previous divorces and loss of income when I became disabled. And now my College Girl is having to suffer from my bad credit. Poor dear.
How many of us come out of 4 to 6 years in higher education and have good credit. Not too many. So this is something that she will be contending with herself in just a few years. How to keep loans paid off and up to date while making it on her own. I know that there are many companies and organizations out there to help us repair our finances. Places like Consumer Credit Counseling, Ovation Credit, Debt Relief and of course the dreaded lawyers too.
Sometimes I am not sure how we manage to get through the muck and mire of all the new things we have to learn to take care of our finances.
What has worked for you? Do you have loans, credit cards and debt you have had to have help with? Or are you a cash and carry kind of girl. I know that is what I have become. If I do not have the money in our account then we just do not purchase something.

Text Books or Life Books

Today I am going to go and pick up College Girl. I am so happy. I love having her here at home. And this is a 3 day weekend so I have an extra day there! Yipee! We are also getting CG's 86 Ford Mustang back up and running after minor repairs. She will be glad for that.
Now as much as I am loving her here, CG wants to be on her own. But she does not have the financial backing to do that yet. There is so much she still has to learn about jobs, money, balance, life and getting out there and just doing it. She needs guidance. And being the reader that she is I have found her some study guides.




Click Ditching Mr. Wrong to go to No More RAMEN and get your own copy.

"No More RAMEN" is a 20-somethings real world survival guide. Here is a a book that tells it the way it is. How we all ate Ramen Noodles and wanted to eat better. That is just the tip of the iceberg. You remember...just starting out? You don't? Well Nicholas Aretakis traveled from coast to coast talking to the 20-somethings (somebodies) and finding out what changes are out there. And then helping to bring all that information together so it is easy to understand. Yes these young adults are trying to learn how to be good in finding jobs, keeping them, having financial guidance (school loans abound) and the balance of life and responsibility. I have to say one of the things I like the best is the way the book is put together. Not long chapters that one slogs through. But quick short and almost in a note form. I can read it on the short times I have in my day like a college student between classes and still glean the information from the book. I am sure this will be in College Girl's backpack for sometime to come.


I also have "Climbing the Money Mountain" in which Randy Loren helps young adults learn how to reach their financial peak. This is the guide for all young adults. HONEST! Giving out information on what an educations worth, checking accounts, credit cards, that your vote counts, budgeting, identity theft, renting a home and so on and so on. 20 chapters of no b.s. and all information we so desire. It is hard to be changing, learning and looking around feeling confused. How wonderful that Randy has helped make a great guide for the 20-somebodies that are looking for that help.

I have to say these are 2 books that I feel will help College Girl more than the two text books that we ordered this month. So she has one set of books for her college education and another set of books for her real life education. I would say that these will become my newest gifts for graduation, new couples getting married or the ever famous 'no day' gift for all my nieces and nephews.

Free Food!

Yes you can get free food from Schwans! Really! Honest!
Well I did and so did Lesley.

Schwan is giving the first 500,00 people $10 in free food. You don't have to order anything else or put in your credit card info. There is no shipping and handling charges either.

This is a great deal.Who doesn't like free food?

Click HERE to get your free Schwan food.

HURRY BEFORE THIS OFFER EXPIRES!!!!

This is what I ordered!
Sweet n' Sour Chicken with white rice.

And it will be delivered to my door on August 6th!

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• Schwan't: $10 of Free Food (momblognetwork.com)