Building My Credit Score Back Up

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I had been avoiding checking for a while.. that ominous credit score, like shame hanging over my head. When Steve and I first started dating, the tables were completely turned – mine was great and his was shocking. But over the years as he’s stayed in his full time job with a regular wage coming in and I made the jump to working from home as self employed with an unreliable income, mine has taken a tumble down the ratings whilst his continues to rise.

I finally checked last week and whilst it wasn’t as bad as it could have been and still nowhere near as bad as some people I know, I aim to get that back up into at least the ‘good’ section by the end of 2017. I’ve talked about my money resolutions for 2017 over on my lifestyle blog and building my credit score back up is just one of them. But how do I aim to do that?

  • I want to clear all or most of my debts. By clearing any outstanding debts I have, this should remove some things from my score and help it to rise.
  • Make sure all payments go out on time – and that there is money in my account to cover it. I’m even paying early for some things – for instance, my credit card payment is due on the 19th but this month I paid on the 4th as I had the money spare to cover it and still had enough for any bills that come before then. I keep a close eye on my online banking and will chase any invoices if overdue or even if not if payment hasn’t been received within the promised time – I will have earmarked that income for a particular bill so I will chase it to make sure I receive it on time so I can pay any payments on time – and stop my credit score from getting even lower.
  • I want to be accepted for credit in the future. Right now I probably won’t get accepted for credit – except maybe pay day loans bad credit – and whilst I am currently trying to clear certain credit right now, I want to be able to be accepted in the future should the need arise – and I will probably need a better credit score for this to happen.
  • I don’t want that feeling of dread. I avoided checking so long because of this intense feeling of dread – and that is not something I want to feel any longer. I want to get rid of it so by working on building my score back up, I will hopefully no longer have to feel it.

Have you got any tips for building your credit score back up? I’d love to hear them!

Financial Fridays // The Investor Advocacy Radio Show

Some people still like to listen to radio broadcasts instead of reading articles and watching TV shows. For those who want to know more about the practical aspects of finance, perhaps the most famous and certainly among the longest-running radio show is the Financial Fortitude radio show. It’s been around for years now, and it’s one of the most successful financial radio shows ever. The show can be enjoyed by people on both sides of the pond and is currently enjoying a growing number of UK listeners.

The Hosts

The show’s hosts are Dale Creed Francis and Ryan Litifn. Both them have an extensive experience in the financial industry, as Litifn has been in the business of wealth management and investments for 15 years. Francis has been in the business for even longer, with more than 25 years of experience in the finance sector.

Both have written books and have been sought after speakers, and they both have won awards for their work.

Radio Show Topics

The show covers a wide range of topics. They discuss ways of protecting your wealth and making it grow. They talk about maximising Social Security and strategies on tax reduction. On some days they also hold forth on current global economic issues as well as Nobel Prize-winning investment theories.

It’s a fascinating show that sheds light on a multitude of financial subjects. They’re unbiased in their approach, and they can help you avoid pitfalls and problem for various financial transactions and investments. They expose financial problems, and what’s more, they offer solutions to these problems.

They’re very different from your average ranting radio hosts who do nothing but whine and offer impractical answers. These hosts actually know what they’re talking about.

Radio Show Style

While it’s informative, the radio show is certainly more appealing and entertaining than your typical mind-numbing college lecture. It’s a show that will engage you and pull you in, as they converse on various topics using clear language. They also inject a nice level of humour that keeps the show from getting boring.

They also have celebrity guests from time to time. The people they’ve had on the show include Tim McGraw, Martina McBride, the Doobie Brothers, Brad Paisley, and even Mike Ditka. It just goes to show that even celebrities have the same financial problems as you do!


If you’re interested in finding out more about the practical finance, then you should give Financial Fortitude a try. They’re very different from boring university professors who drone on and on about their topics. At the same time, they’re certainly more knowledgeable than the talking heads on TV who look great about don’t really have a clue as to what they’re talking about.

With the Financial Fortitude radio show, you have experts who talk the talk because they have already walked the walk. They have the knowledge and experience to give you good advice in matters that you actually care about. They also know how to present their info in ways that will actually engage you, and not bore you to tears.

You can try Financial Fortitude once, and chances are that you’ll be listening to each broadcast afterwards.

In collaboration

Hello 2017!

Good morning and welcome to 2017! You may have seen a post pop up just yesterday for the first time in months. I’m hoping that 2017 will bring me lots of things but also I am hoping that 2017 is the year that I really keep Keene On Saving going. The blog is two years old now but falls by the wayside often – no more!

I will still be blogging over at Futures but I am keen to increase my content here. How I am going to manage that with a newborn and a 5 year old in full time school who knows but we shall see?

Will you join me for my journey?