Well, I haven't done anything yet, ha. Like my title says, procrastination is a huge reason while most people have bad credit to begin with. They don't want to pay their bills on time, they don't want to call their creditor, and they don't want to repair their credit.

I have resolved to do these things, if not just for me, for my wife and kid, kids on the way, and so on.

I will order my credit report this week.

This is something I have to do to get started. Need to know what is on their to begin...
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I want a 700 credit score.  But unfortunately mine is not even 600.  This is my quest.  Join me as I pay down debt, budget, and dispute my credit report on my quest.

My wife's credit is also bad, better than mine though.  Now of course many of our accounts are joined together, so my accounts will begin to pull hers down.  I will post my credit reports on the site to show what we are looking at.  I will monitor my credit scores in the process and hope they get higher.

I hope this site and blog c...
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