Welcome to my blog!

It's a fact that everyone, at some point in their life runs into debt and credit problems (unless their name is Paris Hilton, Ivana Trump, or some other trust account heir or heiress). We already know that banks and other lenders dutifully report our payment histories to the credit reporting agencies. Of course, this is fine when we make our payments on-time, like a good little soldier.
The problems arise when we run into cash flow problems, we make a few late payments and before you know it, time flies and our credit score sinks faster than the Titanic.

After my personal bankruptcy filing in 1994, I vowed to rebuild my credit and never be taken advantage of by the banks - ever again. Through this blog I will do my best to help all those who are in a similar situation.

I will also help you to work smart to get yourself out of debt, work with creditors to agree to your terms for repayment, improve your credit score, and lastly, leverage your improved credit rating (FICO score) to obtain "good debt". The kind of debt that will help you build a structured, stable and secure future.

Please be patient as I work through and let some new creative ideas flow through this blog.
I promise to not waste your time and provide to-the-point, useful info.

Better days are on the way,
Al (last name witheld for my privacy)
creditscoresystems.com