Where Smart Saving Grows
I avoided writing down the full number for almost two years. Not because I didn’t know money was tight. I knew. I just had a habit of treating each debt as its own separate thing. The credit card was one problem, the personal loan was another, and the medical bill I’d been ignoring was technically … Read more
I had zero credit history. Not bad credit – just no credit. No credit cards, no loans, nothing. I was 25 and basically invisible to lenders. Tried to get a credit card: denied. Tried to get approved for an apartment: needed a co-signer. So I spent 14 months learning how to build credit from scratch. … Read more
As of March last year, my credit score was 584. While it wasn’t low enough to completely get denied for credit, it was low enough to get denied for apartment applications and get stuck with high interest rates. By November, my score improved to 696. Now, it was pretty good. No credit repair companies involved. … Read more