Adriana Dikih graduated college with a liberal arts degree and some student debt, but without a high paying job. She held down various jobs and was able to make ends meet, but let paying her student loans slip. She knew her credit score was a mess, but did not fix it initially. She decided to fix it after having car troubles and thinking that she may need a loan on a future car. When she pulled her credit report she saw three major issues to tackle.
- When you see that you have a low credit score, you need to figure out what exactly is causing that low score.
- If you have a bill that you forgot to pay, the late fees and fines can mount up and destroy your credit very quickly.
- When you think about your credit report as just a number and really try to improve it, you will. Don’t panic and just pay off your debts.
“Though Dikih considered hiring a credit repair company to help her fix her credit, she ultimately decided she could do it on her own. After all, her biggest obstacle had been her own lack of willingness to be proactive.”