Raise your credit score

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The advice I'm giving is from experience. I'm not a licensed financial advisor. I'm sharing what has worked for me. First of all, stop focusing on your credit score. I know that sounds odd, but you need to do a brutally honest self-inventory. I had to admit I was a shop acholic. I was terrible at saving money. I spent a lot of unnecessary money. Going out to lunch every day at work, going out to dinner every week. Always having to have the lasted phone. Until one day an older lady I cleaned house for, on top of my full-time job asked me how much money I had saved? I was a little taken aback. I thought about it and said nothing She must have noticed my acrylic nails, my fancy ear rings, my swanky phone. Sweet little ol Mary helped me get started on the path to financial maturity. Funny how it took a total stranger to get me to focus on saving. My grandmother every time I saw her, she would tell me to save my pennies. Now step one done. Eliminating those bad habits and saving a little. Now it's time to start looking at your credit because if you are not able to gain emotional control over your money, you're never going to get your credit score up. What good is it going to do you if you get your score up and get a bunch of credit cards you max them out on a shopping binge? There are ways to start raising your score even with imperfect credit. Open a Fingerhut account. You will typically have $500. I bought a $40. dollar knitting machine and made $5 a month payments on it. Store credit cards, such as Victoria secrets, Venus, etc. Even if you're a guy. I put them in a lock box and only used them every two years to keep them open. You need to watch how many things you apply for. I'm not going to sugar coat it. It took me two years to get my credit score out of the 400's. I waited 6 months after I had my Fingerhut account to apply for store credit cards and I still to this day have every card except one in a lock box. The one I carry with me has a low credit limit. I have much more to share on this topic. It has become a hobby for me, that is how I went from being defeated to financially educated and empowered. Thanks for stopping by.