Credit Repair + Debt Elimination = 800+ FICO® Score Credit Report

The Credit Robbers - FICO® Scores, Credit Reports, Credit Ratings, Credit Bureaus, and Health and Welfare

It’s common knowledge that the people who suffer the most from ill health and the inability to take sufficient care of their health and welfare are those people who are in debt and don’t have sufficient income to see their doctor or to get debt solution problems sorted out when it first occurs.

You need to understand that without good health everything becomes more difficult including your ability to make money and your ability to reduce and eliminate debt.

You can’t help yourself to move forward if you’re in such a state that it is difficult to do what is necessary to achieve your goals.

Your health is of the utmost importance and this is something that you need to take care of for the rest of your life and letting any aspects of health deteriorate during these times of financial turmoil could mean that you require ongoing medical expenditure for the rest of your life, which could further hamper your credit, FICO® credit score, credit report, and credit rating.

The credit bureaus are watching your credit, FICO® credit score, credit report, and credit rating whether you are in poor health or good health.

When it comes to the crunch it is better to be bankrupt than sick in hospital. You can certainly turn your finances around by following the right steps and focusing on achieving your goals; however, if you let your health deteriorate to such an extent that you have to live with problems for the rest of your life then no amount of money you make in the future will be able to get back that good health.

While you will be looking to reduce your daily spending and reduce your food bill you also need to be aware that you should only buy foods and drinks that will help you maintain good health.

Don’t buy soda drinks when drinking water is better for you. Don’t buy takeaways when cooking your own meals is healthier and less expensive.

You will even save money on gas from not having to drive down the road to buy your fast food if you are cooking at home.

You can save money and maintain your health and welfare and that is something that you will need to consider when you are preparing your budget.

Consider the expense of becoming diabetic. The debt problem that faces you now might be a godsend as it could make you look at the other aspects of your life that are out of balance and make amends.

Take care of your health and your credit, FICO® credit score, credit report, and credit rating will take care of themselves.

Dr. Robert Miller, PHD
Investigations Analyst
www.TheCreditRobbers.com

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Credit Repair + Debt Elimination = 800+ FICO® Score Credit Report

Wants and Needs and Impact on FICO® Scores, Credit Reports, Credit Ratings, and Credit Bureaus

Wants and needs are what gets most people in financial difficulty in the first place.

There is a huge difference between wants and needs if you honestly look at your financial position and consider how you have built up the debt that you are currently faced with.  You might just find that it is due to over expenditure on wants that are not really necessary.

Needs are those factors that are required to lead a healthy happy life on a daily basis  for you and those whom you are responsible for.

Good food, shelter, health care - These come under the banner of needs because these are the simple things in life that you need to get by.

DVD players, alloy wheels on your car, the latest designer clothing, cigarettes etc - These are wants and there is certainly no need to have them in your life.

These are the things that get people into trouble. These are the things that cause your debt and stress and detract from your lifestyle.

These are the things that make people miserable at the end of the day because you still have to pay for them, you don’t need them and you certainly don’t need the debt that comes with them.

While you are purchasing these ‘want’ items, the credit bureaus are in essence waiting in the balance.  At the first indication of debt and overextended credit; your FICO® credit score, credit report, and credit rating will undergo scrutiny and start to decline.

Take a look around your house and see how many items there are that fall under the category of wants, and then ask yourself how often do you use these items and what sort of pleasure have they given you compared to the distress that you are now feeling with the debt you have to pay back. 

[Debt, Debt Elimination, and Debt Recovery becomes a daily concern, and will literally take over your life if you acquire too much debt]

Sure there might be some items that you still get pleasure from such as playing on your Playstation, but consider once again how the time that you waste on the Playstation could be better spent on something more productive or something that could improve your health and well-being such as a walk or a jog in the park.

Can you convert some of those items into cash? Of course you can and if you aren’t using them, then wouldn’t it be better to sell them and put that money towards your debt elimination?

Just understanding the difference between your wants and needs might be all that you need to turn your life around and ensure that you never become overburdened with debt again.

Debt and debt elimination should be a top priority in your life, as it directly impacts your credit rating.  Your overall credit is the lifeblood in everything that you do in life.

Just because you are not monitoring your credit, does not mean that the credit bureaus are not keeping a close daily watch on your FICO® credit score, credit report, and credit rating. 

 Dr. Robert Miller, PHD
Investigations Analyst
www.TheCreditRobbers.com

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