Step 2: Where Are You?

For a lot of people the though of pulling and reading their credit reports is enough to cause a panic attack. If you know the picture isn’t good, sometimes it seems easier to make like an ostrich and bury your head in the sand and pretend you’ve never heard of credit.

But, girls, it’s time to put on your big-girl panties and deal with it. Your credit report is what it is. As Suze Orman would say, “No shame. No blame.” Learn your lesson, get your credit reports and start making a plan for recovery. I promise you, it’s easier than you think. No matter how bad you’re afraid it is, and no matter how bad (or good) the news actually turns out to be, there’s a tremendous amount of power in knowing the truth – and being able to make a plan for recovery.

When you hide from and ignore your credit situation, you’re giving up your power and you’re making yourself a victim. Get control of the situation, start making steps to improve and repair, and you’re powerful and unstoppable. Job interviews and applying to rent an apartment won’t be scary any more. Getting a car loan? No problem. Buying a home? Also possible.

So, we’re going to pull our credit reports. Yes, all three of them. One of the easiest and best deals is to use the Credit Complete service at myfico.com. It’s $47.85 for all three credit reports and your three FICO credit scores. It’s also true that you are entitled to a free copy of all three of your credit reports each year, but sometimes that can work against you.

MyFICO.com is offering a holiday special for 25% off the Credit Complete service when you use coupon code HOLIDAY25.

So, go. Get all three reports. Print them out twice. File away a clean copy and get ready for making notes on the second copy. Go on, we’ll do it together.

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