Make A Difference To One

By Renee, LSWA

"I'm singin' F to the R to the E to the E to the C to the R to the E D I T
RE to the PORT to the dot to the com, Come on everybody grab your bikes and sing along."

We all know the commercials and could probably sing every one of them, but do we really get it? Knowing what is on our credit report is crucial to everything we do from renting/buying a house, buying a car, even some jobs are looking at our credit reports. But beyond knowing what our credit report says, we need to be focusing on keeping our credit in good standing. I can not stress this enough. Get on a budget and keep yourself out of debt! I work with families every day whose only barrier to moving on from homelessness to self-sufficiency is poor credit. Landlords don't want to rent to someone who has a history of bad debt and/or foreclosures or evictions. Now I know that not all debt is the result of poor money management but the majority of it is.