Archive for October 2009

What Always Works

No matter what credit course they buy, or even if they don’t buy one at all, many people find themselves consistently coming up short in one single area… and it happens to be one area that can have considerable negative impact on their credit.

One thing, that’s it. And it can be blamed for a good 75% (or more) of the FAILURE related to consumer credit repair efforts.

It’s the one common mistake that people make no matter what method they choose, no matter what course they buy, no matter how smart or stupid they are.

(Alright, so what is it already?)

Be patient dang it.  I’m getting there.

I don’t know why people so consistently make this same mistake.

  • Perhaps it’s because nobody told them that the credit bureaus and creditors don’t give a “rat’s a$$” about their credit.
  • Perhaps it’s because they think most people are “good people”, and that while “creditors” and “credit bureaus”  are not really definable as people, somehow this “good people” rule still applies to them.
  • Or, maybe they’re afraid.  Maybe they perceive the credit bureau as a dangerous monster (a fair description, I’d say) and they’re just scared to cross the monster’s path.
  • Or maybe they think they don’t deserve better credit. Maybe they think that if they reach for the cookie and their hand gets slapped, it’s a sign that wanting cookies is a bad thing and that nobody should ever reach for them.

SO, what’s this one “uber-mistake” that so many people are making?

It’s simple… so simple, you might think it’s kind of dumb.  Maybe that’s why it is so often overlooked.

Here it is:

People quit too soon.

Yep. That’s it.

They lack persistence.  They quit before the game is over.  When they meet resistance, they think that’s the end.  They try xyz method, and when xyz method fails, they get angry and say things like “this stuff doesn’t work!”

Please understand something: The credit bureau systems are DESIGNED to make you want to throw the credit repair book through the window and QUIT.  I mean it… they are

** D   E   S   I   G   N   E   D **

that way.

I’d offer up proof (which there is plenty of) but that isn’t the point of this post.

The point is, the ONLY “silver bullet” in credit repair is a consumer who refuses to give up.  Other than that, there are really no magic tricks.

Sure, you need knowledge, you need to learn the methods, you need to have a good “bag of tricks” and sometimes even someone to help tell you how to use the bag of tricks… but in the end, the one thing that will separate the successes from the failures is PERSISTENCE.

So I guess what I’m trying to say is…

Reach for the cookie. Don’t give up. Hang in there. If one thing doesn’t work, try something else.  If that doesn’t work, try yet another thing.  If you aren’t creative enough to come up with ideas on your own, sign up for the forum and we’ll help you brainstorm.  That’s really what it’s all about.