What this means is that it’s time to fix your credit. Your income may be zero or limited, that’s okay, there is still a way to save your personal reputation and open more doors of opportunity. Once you receive your credit report(s), contact the creditors listed and make payment arrangements, even if it’s only $1-$5 per month. Doing this shows your willingness to get back on track, it shows you are making an effort to establish stability and accountability.
Who can I turn to for help?
There are many resources available to help with credit repair, make use of your library or the Internet. Most credit repair agencies offer free services, take advantage of their offers and assistance. Building your credit is more than just being able to make a big purchase, it also means you are establishing your personal reputation and laying your foundation for survival.