Understanding money, one blog at a time

Oh hello there 👀  I get a lot of questions regarding credit repair.  Growing up black and in the 1980's during the world famous crack epidemic, my grandparents taught me absolutely nothing about credit. So naturally, I ruined mine with department store credit cards, Visa's, MasterCard, new car',s etc. all by the age of 20.   At the age of 31 and having gone through the entire process, I am happy to report my score is approaching a smooth 800. With out filing bankruptcy!  So it's only right that I share what I've learned with the world.  I'll start with a few simple tips: KNOW YOUR CREDIT: Knowing what you have to repair is the very first step in the process. There are three agencies (Equifax, Transunion, and Experian) that factor into your credit score and reporting history.  You can pull ALL three of your reports for free once per year at annualcreditreport.com . These are reports are 100% free, but you only get one pull per year. Pulling yo...