Last year I had to fix my credit rating and I had to do it fast. I used to have a very low credit score of 523 points and could not get approved for a loan or gas card.

I’m not going to tell you a sad story about how I lost my job and everything was lost. That would not be the truth. The truth of the matter is, I was very careless with my spending and the way I was using my credit cards. Even when I had money, I still loaded things on my credit card.

If you know anything about credit cards, you know how easy it is to get one once you’ve established yourself with some of the major credit card companies. Well, my ex and I started applying for and receiving all kinds of credit cards. Back then we thought we could handle the minimum payments each month. At first you don’t realize that even if your payment is less than twenty dollars, you receive several bills like that each month and they add up quickly.

Before we knew it, we had close to $ 25,000 in credit card debt. And let me tell you, it doesn’t take long to get that far down the hole with credit cards. Credit card companies are very smart people and they know how to play on our greed and desires. You start getting “you are approved” applications in the mail every month, eventually completing them and getting a credit card.
My ex and I got divorced several years ago, and it took me a while to agree. But one of the things I never said was “my ex ruined my credit.” Trust me, it was a joint effort that ruined our credit. I did not blame anyone other than myself for the situation I was in and knew that I had to do something to change my situation.

My credit union had a budget and credit management class and I took it and it helped me, but my credit score was getting worse. Then one day, I came across this site on how to improve your credit score in 37 days or less. The site claimed that it could help you increase your credit score by 135 points in 37 days or less and it only costs $ 37.00.

I assumed it was only $ 37.00, why not give it a try? The bottom line is that the program worked for me and I was able to increase my credit score by 132 points. The best part for me was that I was able to remove so many late payments from my credit reports. This really helped me when I got my new job and I need to move to an apartment close to my new job. I was nervous about the people in the apartment doing a credit check and rejecting my application, but they told me my credit was excellent.

Now that I have raised my credit score and have been able to fix my credit score, I will never be stupid with credit cards again.