Credit Karmanasta

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  • Oh, no. I totally forgot about that. I don't have any more money
  • Earlier that day...
  • Thank you, I think that my nieces will love these.
  • Will you help me?
  • Hey, sis, I need some help and advice.
  • I seem to be having trouble with money, and now I have a bad credit score.
  • Yes, I will help you.
  • With what?
  • Well, the two things that will fix your credit score is time and changing your spending habits.
  • Credit scores are calculated from credit reports, and credit reports has a record of your financial history. Things like payments, overspending and many other things are on them.
  • Ok, so how can I make this better?
  • And in time, the bad will drop off of your report. It is also a good idea to look at the report a least once a year. If you have anymore questions just ask me.
  • You need to close the credit cards that you no longer use, pay the cards that you do have on time, and more than the minimum requirement, to pay things off quickly.
  • OK, I'll do that, but does not solve the problem that I have right now. How do I pay my bills if I don't have the money?
  • I will loan you the money, but I expect to be re-payed. However, I will only loan you the money the way you , if you promise to change your financial situation.
  • Thank you, see you on the camping trip.
  • Thank you, for the advice sis, and I hope that you enjoy these girls. See you next weekend on the camping trip.
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