Improving Your Credit Score

This past weekend, a friend of mine from Arizona was in town and wanted to head out to Disneyland. I hadn't been to the "happiest place on Earth" in over 10 years, so it sounded like a fun way to spend a Saturday - even if the lines were sure to be torture, and the cost would push my hopes of getting out of debt back a little bit further.

So off we went to the Magic Kingdom, splitting our time between checking out all the rides we loved as kids and waiting in line to actually ride them. To be fair, the weather was certainly nice, so we didn't need to brave the 80+ minute wait-time for Splash Mountain at all. Nor did we care to brave the lines to get a picture with Mickey - one of which actually stretched across Main Street USA.

Something else I wasn't too thrilled about when we got to the park: paying $75 for a ticket to get into the park itself, plus another $15 for parking. When you throw in the inevitable cost of food in the park ($13 for a sandwich?!), and the obligatory souvenir (because let's face it, you don't get to leave the house that Walt built without picking up some trinket to commemorate your time there), and I was left with a bill that was even more wild than Mr. Toad's ride.

My point in all this isn't so much to brag about how awesome my weekend was compared to, say, yours but to illustrate how hard it is to find debt relief when everything's so damned expensive these days. The last time I went to Disneyland was sometime in the mid-90s with my family of four - the total cost in which was barely more than $100 for all 4 of our tickets. Today, $100 will buy one adult tickets to both Disneyland and its sister park, California Adventure.

The Times They Are A-Chargin'

Now, I realize Disneyland is a pretty extreme example of how far we've come in the pricing wars (after all, I doubt anyone could make a convincing argument that going to a theme park qualifies as a necessary expense) but after checking my credit card statement today and seeing the damage the House of Mouse did to my card, it certainly illustrates how easy it is to slip into credit card debt these days.

I may have chosen to lump my major spending into a single day, but there are some out there who mistakenly believe that spreading the same amount of bills out over multiple cards is a great form of debt management; that using a different card for each purchase will somehow help them in getting out of debt.

Unfortunately for them, spreading your debt among your available credit cards makes about as much sense as a cartoon duck that takes the time to wrap a towel around his waist, yet never wears pants. In other words, it doesn't make any lick of sense. Spreading your charges across multiple cards will only add to your frustration when the bills come in and is hardly the best way to improve bad credit.

How to improve your credit fast

If you're looking for the best methods to improving your credit score and have found that simply dragging your charges out over multiple cards hasn't worked in staving off the bills as well as you had initially hoped, or you find that your efforts to fix your credit score in the first place have so far proved ineffective, you might consider outside credit counseling in the form of a credit repair service, such as My Credit Group.

I know what you're thinking, "A credit repair company telling me to consult a credit repair company on how to fix credit? Well, I never!" Well, if that's true, there's certainly no time like the present to get back in the credit game so you can go about removing negative items from your credit report and find your way back on the road to financial freedom.

A good credit repair company works with you to not only fix credit errors but also help you with debt settlement options so you can work to pay down your debts so that they're out of your hair for good. Finally, they'll help you achieve a fresh start on your credit history, and will educate you in the ways of using new credit to improve your credit so that you don't fall into this money pit again.

After all, no one wants to spend a day at Disneyland and then spend the rest of the month (and beyond!) paying for it. If you're tired of having to put off fun trips like this because it's just not in the budget, give one of our specialists a call to get started on improving your credit rating today. There's no wait times, and no height restrictions to ride this ride, so why not hop on now?

You can find a comprehensive My Credit Group review at the link.