Building Credit is like Building a House

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When it comes to building credit, we want to remind you to think of a blueprint. Your blueprint is your plan, if you will, for success. It serves as a model for providing guidance and details. In that plan is all the details for successfully supporting, strengthening and building your credit.  Just as with building a house, you need a blueprint to build your credit. As the foundation has been laid you can now start the process of putting all of the core pieces together.

The beauty of having a blueprint is that it makes all the steps simpler and it makes sure that there is alignment in bringing you toward your goal. The blueprint keeps you on course and is a surefire way to check yourself to make sure that you are moving deliberately and intentionally toward your goal of financial freedom.

If you want to get to an 850 credit score, continue your journey with and you will see results without having to get deep in debt trying to build or re-build. Successfully building your credit is a journey that you will need to keep traveling and will continue on the journey with you via seminars, webinars,  conferences and, of course, direct credit counseling. The reality is, the need for understanding and properly maintaining your credit will always be, so that you are never blindsided by it. It takes time, diligence and focus to manage it effectively. Interestingly enough, credit itself can be seen as an onion. There are layers and layers to it, and just when you think you have gotten to the core, there is another layer to be uncovered.




The How and Why of Bad Credit

Hi everyone! This is not my usual blog about credit an credit scores, but I do feel this is a conversation that I need to share with my readers.

I was talking with someone today and as usual, I was talking with them about their credit and looking to share ways to empower them financially. This young lady informed me that she had recently paid someone $500 to repair her credit as she was trying to purchase a vehicle. She then continued to share that, indeed, her credit was repaired and she was able to purchase the vehicle. Interestingly, she said, after six months she was back in the same position she was in before, and she wanted to know why and how this could be possible.

It was at this point that I told her the why she was at this point was because she needed to go through a rehabilitation process, and how it happened was because she went overboard with all the new credit she was able to get once her credit score went up.

Now I believe we know that the minute creditors see that you have a high score, (i.e., 600 or more) they will start flooding you with credit card offers. These offers seem great, at first glance, but for individuals who have not gone through a rehabilitation process, it is easy to immediately fall prey to these enticing offers.

Now you may ask, how can rehabilitating my credit benefit me? To provide a beneficial answer, let us first define rehabilitation. Rehabilitation is the act of restoring to health or normal life by training and therapy after a period of disfavor. Here at we will walk with you to help you understand the why’s of what we do that cause us to get back into unfavorable financial situations. The goal here is to provide you with the insights needed to never make poor financial decisions again. Ever!

Now, if you’ve never made these type of financial missteps and this does not apply to you, that’s great. But if this does apply to you or someone you know, please don’t hesitate to contact us at and we will contact you within 24 hours to begin the process of assessing your situation and guiding you toward financial freedom. If the idea of financial freedom sounds important to you, please contact us today.

Growing your Credit

Join us on this journey of growing your credit leaf by leaf. We want to help you reach the destination of financial freedom! In the next couple of weeks, we will be giving you clear, simple, doable strategies to grow your credit leaf by leaf–beginning with step 1. To learn more, follow our blog

Credit Rehab (Committment)

In our two previous blogs, we covered discipline and dedication. Now we will move on to commitment and the crucial role it plays in credit rehabilitation.

Commitment is the state or quality of being dedicated to a cause, activity, etc.; it is an agreement or pledge to do something. Just by this definition, we are reminded that commitment is about action–it is something you do. As you can see, the three vital components are connected, therefore we need all three to be active in the process of rehabilitating our credit.

Being disciplined, dedicated and committed will help you to advance your credit to new levels and heights that you may have only dreamed about.

The journey can start with a simple decision, a decision that will change your credit life forever. And we can show you how, but before we get to the how, let’s start with the What.

Credit Rehab (Dedication)

Now that we understand the art of discipline, we will now move on to the art of dedication. Dedication is the quality of being dedicated to a task or purpose, therefore you have to be dedicated to the process of rehabilitating your credit and understanding what went wrong the first time around. Through discerning what went wrong and dedication you will be destined to not repeating the same mistakes again.

When you are dedicated to a task, or to an individual, you will value and cherish the relationship. In the same way, you have to think of your credit as an important, lasting relationship. Once you begin to respect and cherish it, it will begin to reward you.

Our approach it to always keep these steps simple and actionable. At Empowering the Possibilities, our approach to credit rehabilitation is about taking out the fluff and making the steps durable.

It would be a joy to be able to start helping you, or someone you know, on that journey today.

Credit Rehab Clinic (Vital Components)

There are more people in the United States that need their credit rehabilitated, not just repaired, and this can be because of loss of jobs, financial setbacks, poor financial history,  and many other reasons.

Today we will begin our rehabilitation journey, and as you enter into the doors of the clinic you will see that there are  three vital components that we need to always remember.  These three components have to be addressed before we can proceed.

The first component is discipline, and discipline is the practice of training people to obey rules or a code of behavior. When it comes to our credit, we have to be disciplined in paying our bills and paying them on time. We have to be disciplined in knowing when to obtain credit, and when not to. And lastly, we have to know the difference between a need and a want.

Once we get a strong grip on these vital components, the journey will become much more simple and financial rehabilitation will not just be an ideal but it can and will become a reality.

Credit Rehab Clinic (Discipline)

As we continue on this journey of discipline, wants and needs are important in rehabilitating our credit.

Credit should be viewed as a tool. It is just the way you conduct your financial life to get the things you need, such as cars, homes, technology, furniture and appliances when you don’t have the cash. We need to develop the skill of discipline, however, so that as we are on this rehabilitation journey we will not revert  to old habits (which we will discuss later).

It’s been discovered that it takes (approximately) 28 days to form a habit. Knowing this, we can start the new habit of financial discipline and in one month’s time we have begun placing the building blocks toward financial success. How does not being controlled by your finances sound to you?

Remember when you have mastered the art of discipline, the wants will not overshadow the needs. Let us begin to form the habits of discipline that lead to success.