If your credit score doesnt look like the credit score you really want for Christmas, thats okay. Its not too late to plan ahead. You can protect the score you do have and simultaneously start focusing on raising it to something more desirable.
Heres what you need:
- Awareness of the situation
Do you know what your actual credit score is? If you havent glanced at them in over a year, the answer is a resounding “noâ€. Credit scores have the tendency to fluctuate constantly, which means youll have to keep a pretty close eye on them to stay fully updated. You are entitled to one free credit report per year from each of the main credit bureaus, so take advantage of this right. Consider utilizing a free credit monitoring site, as well, or reach out to ASAP Credit Repair and we can not only update you on your scores, but also help get you on the right credit repair track.
- Create a holiday budget
If spending wildly, sans budget, has been your method in the past, maybe its time to rethink your approach. Do the math and make sure you can afford what youre looking to spend. Dont charge up a bundle of new debt that couldve been avoided with a little foresight. Thats a holiday gift you should avoid giving yourself. Set aside the time and create a realistic budget for your holiday costs. It might not be the most fun, but itll make the holidays less stressful in the long run.
- Plan for a credit repair overhaul
If your credit scores are bad, or you want them to be better, let the approaching start of a fresh new year inspire you to take action. Dont wait until January 1st to get motivated though. Get a jumpstart on it by reading up on the credit repair process and reaching out to ASAP Credit Repair for an extra hand. We can point you in the right direction for planning ahead and protecting your credit through the holidays, while tackling the repair process for your future.