Since, I can remember in my early teenage years credit scores meant not much to me.
From witness my own family using my identity to order junk through mail, and friends trying claim I lived with them.
Right out of school, I remember during a career fair event held by the church next to school. A lady once told me it wise I start building credit with a card.
Her reply once she entered my information into a computer was shocking. Well, your not approved guess bad credit is better than no credit;
Had to find out what she meant, 'literally your parents poor choices effects any children of their if they filed bankruptcy, or have bad credit.'
She suggested, I started with a cellphone company and auto.
So, that I did!
Next I was workaholic: As long I could pay for what I want, credit was last thing on my mind.
Fast forward to my mid 30's, never thinking about preparing for any type of retirement.
Hit hard after retired, and put on disability.
Now credit scores meant everything, and nobody talks about how many people on disability identity are temper with.
Next thing know all three creditors called me, offering freeze my credit access. Inform me my identity was stolen, and sold on black work marketplace;
I watched my 574 score I was working get up, go down to zero out in the negative.
Recently, I took a leap into ad often played on television is help build credit: I'm still thinking at the time my credits are still zeroed out, right?!
I downloaded KikOff apps, and sign up for one the plans: Glad I did, my scores way higher than I thought!
I want to encourage anyone struggling with credit, or identity theft try this app! Below is my link which gives your first five dollars, just for openly the app!
Cheers to self improvement on self investments!
(Click on Kikoff below to get started!)
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