Thank you CreditRepair.com for sponsoring this post. CreditRepair.com’s team understands that a credit score is not just a number; it’s a life.
We are in full-blown holiday prep mode at my house and that means we’ve been doing more than our fair share of shopping lately. Holiday shopping can get out of hand if you aren’t careful, and it can impact your credit score. These tips will help you keep your credit score on track so that it doesn’t take a hit once the holidays are over.
I love the holiday season but with such a strong emphasis on gift-giving, it is easy to spend more than you were planning on. This can not only affect your monthly budget but it can affect your credit as well.
A few years ago we had a crazy year that was filled with medical bills. We had premature twins. That pregnancy was rough and I required twice a week home health care. Not long after that my toddler had a near-drowning and had to be life-flighted to a children’s hospital when our hospital realized her condition was too serious for them to treat locally.
We ended up with a happy ending on all counts (fortunately) but were left with some hefty medical bills. When my husband lost his job a few months later our credit took a hit.
It’s been 5 years and we are still digging our way out but the experience taught me some important things about the value of having a healthy credit score.
CreditRepair.com is one of the leading providers of credit report repair services in the US. I repaired my credit on my own but it would have saved me so much frustration to have a team of credit professionals on my side to help me get my credit score where I wanted it to be.
Why is your Credit Score Important?
Even if you aren’t planning on taking out a loan right now, your credit score is important. You never know when you might need your credit score to qualify for a loan, rent a home, or replace an older car.
Having better credit has the potential of saving you thousands of dollars in interest in current or future loans. Previous CreditRepair.com clients have seen (on average) an increase of 40 points on their credit report in just 4 months.*
* Not all clients saw such a result as all legal cases are different. You should not expect to see the same result and it is not guaranteed.
As my credit score has improved, I’ve been able to get rid of high-interest credit cards in favor of 0% interest cards so I can avoid interest as I finish paying them off.
Just that one step has the potential to save me thousands and it has made me so grateful that I have the ability to do that now.
You never know when you are going to need to replace an older car, move unexpectedly, or find a new job (many of which run a credit report before hiring you).
If your credit isn’t where you want it to be, don’t worry. There are a lot of things you can do to repair your credit. CreditRepair.com can help with a free consultation.
Protect your Credit Score During the Holidays
Shop with Reputable Online Stores
It’s hard enough to repair your credit score when you made the choices to get it where it is. You definitely don’t want credit fraud to play a role. Shop on reputable online stores to avoid anyone getting your card number that shouldn’t.
Don’t buy more than you can afford
I know this one is obvious, but it’s also hard during the holiday season. It’s so easy to get caught up in the spirit of the giving and get sucked in by advertising. Even with good intentions, you can easily find yourself spending more than you meant to.
Set a budget and have regular check-ins with yourself and with your spouse to make sure that you are on track.
Set reminders for your Credit Card Payments
The last thing you want to do during the holidays is to forget to pay your credit card payments on time. Late payments have a negative impact on your credit score and can take a while to recover from. Not only that, but you’ll most likely be paying late fees on top of your regular payment.
The holidays can be hectic. Make it easier on yourself by setting reminders or setting up your payments on autopay so you don’t have to worry about your credit score taking a hit.
How can CreditRepair.com Help?
CreditRepair.com believes that everyone deserves an accurate and fair credit report. They believe that you are more than your credit report but a healthy score can certainly make your life easier.
CreditRepair.com has the tools to help. Their team of professionals understands what you need to do, every step of the way, and they can help you repair your credit profile.
With over 500,000 clients served, they are a trusted leader in the credit repair space. I’ve talked to several people who have been helped by CreditRepair.com and they have had great experiences.