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HAVING BAD CREDIT DOESN'T HAVE TO BE A LIFE SENTENCE BY GRETCHEN RICKS If I told you that you can begin to repair and rebuild your credit and see credit score increases within 30-to 60 days, would you believe me? Well, it is certainly possible!
My name is Gretchen Ricks, and several years ago I struggled with having bad credit. I had an $8000 judgment and collection accounts on my credit report which followed me. I was denied for credit every time I applied for something. I was embarrassed, annoyed and frustrated to say the least. I couldn’t just stand by and do nothing; I knew God had more in store for me. I studied my craft incessantly and began to work on my own credit. Once I unlocked the mystery surrounding credit, I watched my scores increase. I begin to educate and help others and watched their credit glow up as well. Because I understood the power of credit, I later opened my own credit education and credit restoration business, known as “Glowing Results 4 You.” Having good credit is very important especially now during these uncertain times. Your credit score and your credit report are important when it comes to purchasing a home, starting utilities in your name, obtaining a cell phone, purchasing a car, car insurance and many employers are checking your credit for employment. Yahoo Finance indicates that 108 million American consumers have no credit or a low credit score. And according to consumer reports 34% of consumers reported finding at least one mistake in their credit reports. These errors and low scores got consumer denied for additional credit or lending opportunities and has cost consumers hundreds if not thousands of dollars in higher interest rates or large down payments. Making it tough for these people to get the car loans, a personal loan, or even insurance. (continued on page 5)
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