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Reader’s Question:

Hello! How are you today? I need some help fast. I will be facing my final interview with a potential employer in Akron, Ohio in a month’s time but this guy from HR gave me a tip that I will be asked about my credit history. Help! I need credit repair fast! I don’t want to lose this opportunity just because of my bad credit!

Derek

Akron, OH

Tsk, tsk, Derek! I’m not passing judgment here but this is a classic case of credit karma, as I’d like to call it. When we get a loan or purchase something on credit, we should be aware of the responsibility associated with it, and that is paying the loan or the credit, at the right time agreed. This is only fair, considering you have enjoyed your purchase and was able to buy it at a time when you had no funds. However, for one reason or another, some creditors fail to fulfill their side of the bargain and end up with a bad credit standing. They sit on it until something like this happens and they realize that the problem they have ignored has not gone away!

Anyway, I’m sure that you didn’t come here to hear a lecture but I just want to stress that we all have to be responsible in fulfilling our responsibilities in these kinds of contracts – whether it is in Akron, Ohio or Tallahassee! So now, my friend, your past is hunting you, and you need to repair your bad credit fast, otherwise (like you said) you may lose this opportunity which you obviously seem to like. What you need to do now is find a way to pay off all your debts so you can repair your bad credit situation.

Instead of robbing a store in Akron, Ohio (which will even make your opportunity disappear faster!), you may want to look for a quick loan that will enable you to consolidate all your debts, with a reasonable interest rate and payment scheme. This way, you will be able to fix your bad credit while afford to pay your new debt. Good luck, Derek, I hope you get this job!

Tags: credit counseling, credit management, credit repair