tips on improving your credit score

Nearly everyday people ask me how to improve their credit score, I tell them I am no financial adviser however I can tell them what lenders are looking for and doing these things may help you build a better score. Today I will address those who have no credit score: young, just our of school or you have always paid cash. Start by getting a cell phone in your own name, car insurance in your own name. Apply for a store credit card like Target or Gap, Walmart even if you only get a $500.00 limit, that is a start. Use this new credit card responsibly, it isn't free money you have to pay it back, over the course of a month things you have normally paid cash or written a check for like gas, groceries, utility bills, may all be paid for with the card. Use as much of the credit limit as possible but don't go over, then at the end of the month pay it all of except for a small amount like $50.00, I'm not encouraging you to go into debt, merely prove that you can handle a credit card. Do this for 6 months, most of the time the credit card issuer will call or write to you and congratulate you on how you are handling your credit and offer you a larger credit limit, accept whatever they offer. Now with your new limit use it for even more of your daily expenses keeping the money to pay it off in your checking account until the bill comes. After 6 months attempt to get a MasterCard, Visa, Discover or American Express card, if you are turned down do not dismay, just keep on doing what you are doing and try again in another 4-6 months. If you follow these tips and keep your bills paid on time you will be on your way to establishing a good credit score. Always pay your bills on time even music services now report to credit a bureau  if you don't pay and student loans left unpaid never go away!  There are a number of credit score building companies out there, Credit Karma and Experian are two of them, they have great help and it is free. 

Try your best – Every Time – Every Day

Try your best – Every Time – Every Day



"Desire is the starting point of all achievement, not a hope, not a wish, but a keen pulsating desire which transcends everything." — Napoleon Hill


If you want something bad enough, you'll make it happen. However, if you don't want something, even the best of strategies won't serve you.


Unfortunately, most people are incorrectly seeking strategies of how to get "success" or some other thing. In this way, they are putting the cart before the horse.


The right strategy will show itself when you are clear on what you want. So how do you know what you want?


Most people are waiting for an epiphany. They're waiting for someone or something outside of them to rattle or shake them. Or, they just want a quick fix. Hence, the focus on strategy and not on vision and values.


If you're waiting for something to "wake you up" so you finally have the passion, motivation, or desire to put your whole soul into life, you'll be waiting a long time.


Rather than waiting, your only chance at fully living is to proactively do something yourself.


When was the last time you did a workout where you literally put everything into it?


When was the last time you really tried, I mean REALLY tried, at anything?


If you're like most people, you're probably putting half-thought and half-effort into most of what you're doing.


Paul Arden, the famed designer and author, once said, "Don't look for the next opportunity. The one you have in hand is the opportunity." He also said, "Too many people spend too much time trying to perfect something before they actually do it. Instead of waiting for perfection, run with what you got, and fix it along the way."


Interestingly, the research in psychology over the past few years has made a shift. It was assumed for decades that our minds could alter our physical state, but not the other way around. However, research is now showing that “Your body, even your posture, directly influences your mind and emotions. You change from the inside-out, yes, but also from the outside-in. And you can leverage that to your benefit”.


If you want more motivation, do something about it:

·         Put your heart into something. Not "the next thing," but the thing right in front of you.

·         Not into tomorrow's workout, but today's workout.

·         Not into tomorrow's work, but today's work.

·         Not into tomorrow's people, but today's people.


Thomas Monson has said, "There is no tomorrow to remember if we don't do something today."




Nothing feels better than trying your best. Nothing.