Never Allow Bad Credit Ratings Knock You Out

Everyone knows that having bad credit in today's society is like leaving yourself unprotected against the elements in the middle of a blizzard

. It's nearly impossible to survive without good credit because you cannot get an apartment or a regular checking account without having some way to prove that you are a trustworthy person. This is because bad credit no longer means you'll be turned down for only the big things, like a car or house loan, now you can be turned down for an apartment rental or even a regular old checking account. So it's not hard to see why people have started to equate their own personal value with whatever is stated by the credit companies. Some will even try bad credit lenders and see if it would help.

Everyone who has had trouble with their credit rating at some point knows that it can be humiliating to have your credit card or check declined at the register. Especially if there are witnesses to the event, you can walk away feeling as if everyone around you believes that you cannot be trusted with money or anything else. These kinds of thoughts can eat away at you until you actually begin to agree with them on some level.

When you have so many difficulties just paying your bills, it can feel overwhelming and disheartening because it seems as if the "good" people of the world can handle their finances, and you cannot. It can make you feel as if you are not worthy of the credit you are asking for, and in turn not worthy of any other assistance either. A financial institution's rejection of your application for credit can make you feel as if no one believes you are worthy of being trusted with money, and after hearing that sentiment enough it is difficult not to start agreeing with what those nameless strangers who "have all the money" are saying about you.

This is where it is up to you to take charge of your life. Your finances do not determine who you are or how valuable a person you can be. You have the ability to make arrangements to get your credit back on track and stick to your decisions about how you will spend your money. More important than the money involved is how you feel about yourself, because how you feel about yourself often determines what actions you will take.

Hold your head up again, take responsibility for what is within your control. And remember, your finances do not define you.

by: Jim Peters

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