My Credit Journey and Tips to Stay on Top of Your Credit

by - 9/30/2020 12:30:00 PM

This post is sponsored by Lexington Law but the content and opinions expressed here are my own.

Growing up my parents did not discuss credit and financial literacy. I’m not sure if it was taboo with their generation. However, I always knew the impact of credit. Because my parents were never homeowners, and always would complain about their interest rate for car loans. They were very vague with their credit advice, and really never gave any explanation or guidance. As an adult, I realized it was due to their parents not educating them on financial literacy.

Once I became an adult, I quickly realized the importance of credit. I received denial letters every time I applied for a credit card. I finally sought out help. Once I was finally approved for a credit card, I received it at a really high-interest rate. When it was time for me to purchase my home, due to working on my credit, I received a really great interest rate on my home loan. However, a lot of times, what people fail to realize is that your credit score changes often, and it is so important to stay on top of your credit and to know when to ask for help.

Shortly after purchasing my home, the engine went out in my car. I was a single mom who worked, and I really didn’t have anywhere to turn. I had to drive my son to school daily because transportation wasn't provided, and of course, I had to go to work. I immediately applied for my first auto loan. I was super scared. However, I knew that I was trying to build my credit again after purchasing my home. I was able to get an amazing loan on my auto loan and purchase my dream car at the time. I never really considered the interest loan on a car until I looked at the total of the vehicle once the loan was paid off.


After purchasing my home and car, I returned to school. I had no idea that most people need their parents to cosign on the loan with them. I’ve met so many people who were unable to attend school because they didn’t have credit and their parents had bad credit. As a parent, this was truly an eye-opener for me. Had I not worked on my credit and received help, I would not have been able to attend college and apply for a better paying job.


This credit journey has taught me so much. Since maintaining good credit and receiving help. I’ve been able to work on a couple of home goals, and apply for a personal loan to make those dreams a reality! Of course, I have some not so fun stuff around my home that I need to tackle. However, I am ecstatic about getting my dream bathroom that I worked so hard for.

I’ve learned that people fail to talk about knowing when to get help with your credit. It’s never too late. If you don't do it for yourself, do it for your children or family. Below, I’m sharing a few tips that have helped me on the way.


Check Your Credit Report
  • It’s so important to check your credit report periodically throughout the year.
In 2019, Lexington provided over 2 million free credit report consultations.
  • Once you check your credit report, have any inaccurate information removed.
Clients of Lexington Law have seen over 56 million negative item removals on their credit reports since Lexington Law was founded in 2004.

Pay on Time
  • Pay all of your bills on time.
Keep Track 
  • It’s so important and so easy to keep track of your credit. You can easily use a planner to track your credit and bills in addition to important dates in terms of the credit that you need.
Create Goals
  • It’s so important to create credit goals, and have a plan for those goals.
  • It’s so important to know when to get help no matter where you are on your credit journey.

Sign up to stay on top of your credit with help from the professionals at Lexington Law!

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  1. Hi it's Brenda from These tips are really helpful. I've been through the pain of bad credit and learned from my mistakes.

  2. You have to keep that credit healthy at all times. If you get dinged, it makes everything so much harder. I'm glad you're back on track. Great tips, too.

  3. Nice tips! I always want to be sure my credit is good. I pay off everything on time and I tell my kids to always do the same!

  4. Such a great journey to have, building credit doesn't have to be hard. I have rebuilt my credit TWICE in my almsot 39 years of life. I am hopeful I am now in a situation where I won't ever have to wrorry about another person causing me to destroy my credit and I can rebuild it for a third time but for good.

  5. Another important tip is to keep your ratio of credit to available credit low. Lenders do not like to see maxed out credit.

  6. Thank you for this! I just started working on my credit and needed more tips on this matter.

  7. Thanks for the tips. I will share this my friends.

  8. These tips are really helpful and important. Thank you for sharing this and I will keep them in mind.

  9. Having great credit is more important than ever. These tips are really going to help a lot of people.

  10. I am glad that you maintain a good credit and thank you for your advice! A good advice is always precious!

  11. These are great tips! This is another one of those things that I wish they taught kids in school!

  12. Totally agree with all your tips. We keep track of our spending and check our credit report regularly. -LYNNDEE

  13. Building your credit can be tough when you first start out. Luckily my husband and I have excellent credit. I think it's a great idea to check it often too. I've had bad things against me for something that didn't have to do with me, and luckily I removed those.

  14. It is so important to know about all the programs available to help with credit. Between school and medical bills it is important to know we have help

  15. This is really useful post I didn't know that there is programme available to improve the credit.

  16. Having good credit is such an important thing. So important to stay on top of finances!


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