I am very big into family, and I have a big family as well. 5 brothers and sisters (I'm the 5th of 6). 14 nieces and nephews (R Russell Patrick II joined us 10/13/13). 5 great-nephews & 6 great-nieces (Brooklyn Grace joined us 10/2/13). And no, with that many family members, I do not keep up with birthdays very well. Not well at ALL! Even with a master list on my fridge.
I'm also married. My husband and I got married here in San Antonio at the historic Sheraton Gunter Hotel downtown. And we are the proud parents of a 12 year old Alaskan Husky named Moo and three 1 year old kittens: Wicket, Willow, and Winter.
Like all Texas moms, I made my kid pose in the bluebonnets.
Photo courtesy: Shutterstock/Chatchawan
Credit. You need it and you need it to be good. But what are you doing that may be hurting your score? Even little actions you take can throw off your score and you don’t even know it:
A single 30-day late bill payment.
Multiple credit card issuers requesting your credit report in a 12-month period.
Account(s) sent to collections.
Even settlements can have a severe consequence on your score, meaning you could lose 100 points taking 2-10 years to recover!
Raise Your Scores
Remember that the credit scoring system is based on your spending habits so make sure you:
Clear all past-due debts
Pay on time from that point on
Get a free credit report from AnnualCreditReport.com to review annually and make sure everything is correct.
Check out other ways here.