When I first turned 18 my mailbox was flooded with credit card offers. I did what I probably shouldn’t have done and applied for every offer sent to me. Gino lost his job when our son was 1 week old. It was the worst situation that ever could have happened, but it did. Thankfully, I was approved for every offer I applied for and we basically lived off of credit cards for 3 months. Not to mention, we also had done some shopping before he lost his job. We were in a mess! I ended up doing the most irresponsible thing and letting it all go. A couple years later I went back and paid most of it all off, but now I can’t get approved for ANYTHING. I actually was considering going into my bank and starting up a secured credit card where I put down $300.00 and use that as a credit card just so I could start building up my credit.

Living with bad credit is hard. It makes it so that you can’t live the life that you should be able to. We all need to own a home at one point or another. That isn’t an option for us right now. I haven’t even ordered a copy of my credit report, because I’ve been scared. I don’t know where to start. We can now afford our life, but we have this demon hanging over our heads, and I don’t like it!

I just received an opportunity to talk about a website on my blog and when I went to review the site I was actually pretty excited. It’s called Bad Credit Offers They offer bad credit loans and they offer bad credit credit cards. I think that this might be the perfect way to start. It’s better than just sitting on a bunch of bad credit, right? Baby steps… this is step 1.