There are many factors to consider when you repair bad credit. Among them is the possibility that your personal difficulties can be attributed to personal traits that are similar to those found in the addictive personality disorder. Make no mistake. Current world economic situation - the rising cost of just about everything from tax, for transportation and food, to say nothing of an emergency situation - put us all on the edge of financial ruin at a given time. Options that I offer here is that there is a possibility that more needs to be considered than just "fix our credit."
This analysis must first be given an overview of the psychological standpoint addictive personality disorder. There is no specific diagnosis of this type of disorder in the DSM-IV (Diagnostic and Statistical Manual of Psychological Diseases), but instead broke through a variety of symptoms associated with personality and impulse control disorders. These characteristics are developed during our lives, and rooted in adolescence and early adulthood. Remember that this analogy is based on the properties of more commonly accepted is found in antisocial and emotional disorders. Comparisons that I am trying to make in relating this damage is a credit to the nature of society as a whole. Set of social mores that many of us value given to our physical assets as a measure of our standing in the community. The "nature" that promotes this achievement (or asset) to determine our place in society. We "need" to have something - a new car, better housing, better jobs with more money, etc. - and there's nothing really wrong with this view. This is the growth of man and nature. Where it becomes dangerous to the stability of our finances is when we deal with impulse control means us to buy these "needs". This is the point where many are starting to fall into the bad credit hole. Now the "Credit is king" mentality is the perfect vehicle to promote this road. How many times have we heard the offer to have something now, and not have to pay for X amount of months? The problem is, the payment will still be due.
This scenario is all leading to a solution to this problem credit damaged. If all this sounds familiar, then the answer may lie in looking at credit repair from the standpoint of recovery. Any recovery program, be it alcohol or drugs, gambling, sex, or otherwise, based on first acknowledge the problem and then replace old habits with the approach step-by-step to build new habits and more precise. Getting back to some sense of the management of our lives involves our focus will be something outside of ourselves, in this case some kind of credit repair program group. Does this program take the form of a software program, or a lawyer or an organization that specializes in credit repair, is akin to having a sponsor to guide us in our efforts. Getting a credit report with FICO score is like taking a personal inventory and gain insight into where our mistakes will be made. Beyond all this are the steps in which we continue to grow day by day perspective to enhance our growth by maintaining our financial stability and living within our means. It is difficult, but looking from another angle, this status is also obtained through personal qualities - focus, organization, determination - needed to obtain that status. "Rock-bottom" may be over, but the end of each can be seen as a new beginning. Successful in this business can be a catalyst to develop the skills needed to grow beyond our current means. That the "first step" is it opens the door to a new way of looking at things and new options to consider. Who knows where these options can lead! As we systematically grow beyond fear, doubt, and frustration surrounding poor credit, we open ourselves to new opportunities and possibilities. If these possibilities are angry and balanced with the memory of hard times, we can better appreciate what we get.
So, what good is all this? Enough that, in many cases, it is our actions and decisions that brought us to where we are, despite what is happening around us or even to us. We are not so much a victim of circumstances as we are victims of our reactions to such situations. There are always other options and options available at any given moment, and until we face our responsibility in our present situation, in which case our financial stability, or lack thereof, we can start changing things. As they say when seized and you may be surprised.
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