Those of you who know me will know that I am the eternal optimist.  However, if you truly know me then you'll also know that I'm optimistic about people reaching new heights despite their circumstances and I'm not very optimistic about someone or something else lifting us "humans" out of our troubles. 

There are a lot of people that are blaming the economy for their woes and I must say that I'm getting truly frustrated with their complaining.  Don't get me wrong, I know that it's bad, but I also know that we can't wait for the economy to fix itself or the goverment to fix the ecomony.  We need to take action on our own stuff and start climbing.  The video below is a sobering piece that we need to prepare for.  Regardless of what you believe about if and when this thing is going to turn, you should be doing everything possible to make it turn for YOU.  Watch the video first and then make a list of what you are going to do to make it better for yourself.  Peace!

In the credit industry I have the honor of working with a great many people who deserve better credit than they currently have. Some have made mistakes and others are truly victims of circumstances.

The fullness of my experience has taught me one thing regarding credit and a client’s ability to recover from the dreaded 500 credit score. Here it is, are you ready? Attitude is the most important tool in getting back to a 700 credit score. That’s right - it’s not money and it’s not education. I’m a big fan of education by you can be the most educated person on planet FICO but if you have the wrong attitude, you are destined to live in credit dungeons for a long time. Here are few tips to make sure your attitude in the game when it comes to recovering from bad credit.

1) Stop Blaming – Whether you did it to yourself, someone else did it to you or a little of both, you need to think forward. The person, bank, circumstance or whatever that contributed to your credit problems isn’t going to help you fix them. Only you can do that so get over it take action.

2) Calm Down – The best and most successful people in the world in any field are calm under pressure. They don’t get whipped up who said what or who did what until they’ve solved the problem. Whatever you have to do to shed your anger or frustration will help you with your true cause of getting back to the “A” grade on your credit report.

3) Get the Facts – There is a lot of mis-information roaming around the internet, your friends and family and your co-workers. Ask yourself this question: Is my uncle Ed really a credit expert? Why would you get your credit information from someone who’s not a credit expert? There are legitimate experts who can answer your questions and guide you on the right path of recovery and into the life that only the “good credit” humans get to experience. (Most of them don’t know how good they have it)

4) Take Action – Once you’re done blaming and stewing and you’ve decided to only listen to the right people, get moving. If you don’t take action, you’ll still have bad credit but with a better attitude. Why not have both a better attitude and a better credit rating?

These are some great tips to get you on your way to a better credit score and a better life that is free of the hassles that come with bad scores.

Every once in a great while the news channels break from the daily "fingernails on a chalkboard" chatter and actually deliver something new.  I've posted a very valuable piece regarding credit and how it's changing in these troubled times.  Mark Greene, CEO of Fair Isaac Corp (FICO). 

Check it out below!