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The Charlie Sheen Winning Guide To Credit Scores
Let's have some fun, "exercise the poetry in my fingertips", and imagine how Charlie Sheen would offer advice on credit scores. Charlie will never need to worry about his personal credit score given his arsenal of cash and Austin Powers inspired one hundred million dollar lawsuit. However, our team thinks that even though you might not have "tiger blood" and "Adonis DNA", Charlie would agree that even "fools and trolls" can take control of their credit score.
"Come On Guys, We're Talking About Practice? I Missed Practice?" This Charlie Sheen quote is borrowed from an infamous quote by NBA great Allen Iverson. Sometimes people who are at the very top of their profession can get lazy about practicing their skills. Ultimately they learn the hard way that practice is the key to staying on top.
For those of you with great credit scores, don't get lazy; keep up your practice of paying bills on time, inspecting one of your three credit reports every four months, protecting yourself with real time credit monitoring and keeping your debt levels under control.
"Duh!" Pay your bills on time. Every time. If you do nothing else about your credit, do this one thing and it wll be like "effortlessly and magically converting your tin cans into pure gold." The "Goddesses" of the credit world will bestow high honors upon you. Having a strong credit score will shout to your creditors that "I am battle tested bayonets!"
"Like In Baseball, The Scoreboard Doesn't Lie" Not happy with your credit score? Then take action to change the scoreboard until you are "Winning!". The good news is that you can change the scoreboard all the time.
By using every credit account you have at least once per month and then paying the bill on time you can rack up points month after month. Charlie's baseball nickname is "Wild Thing" because of his character's unpredictable pitching. Likewise, your credit score represents to creditors your predictability of paying your bills on time.
"On A Quest" to "Right Every Single Wrong" Sorry Charlie. This quest is an exercise in futility. Once you have negative (but accurate) info on your credit history, you can't get it removed (legally). Only a combination of passing time and positive payment history can lead you to the holy grail of credit scores. As time elapses, older information on your credit report has less importance and most of it disappears after seven years.
You can't control time, but you can control the fresh (and most relevant) information that is being reported to the credit bureaus now.
"Winning, Anyone? Winning!" Who can argue with winning? It's the American way! Take a "defeat is not an option" attitude and you will be on the right track. If you follow the core principles of managing credit, you will see your score improve. It won't be overnight. It won't be in a few weeks or even a few months.
Rebuilding credit is a marathon, not a sprint. It takes approximately 24 months of on time payments to establish a good track record. Picture yourself in 24 months when you are asked about your credit score and you can proudly exclaim: "Winning!"
Does Charlie have you pumped to tackle your credit? "You've been warned dude. Bring it."
Author Resource:-
Nathan Randall, editor, Daily Dollar Newsletter provides free daily advice on money matters plus coupons and discount codes. FYI...you can now access the Daily Dollar Newsletter via iTunes podcast, YouTube video, and on Facebook and Twitter too.
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