If you’re like I was… You’re desperate to find how to improve your credit rating to buy a new home, a new car or just qualify for better interest rates. If you’re a good person but are in need of improving your credit rating, keep reading and I’ll tell you about my story,  my credit pitfalls and how I finally ended the pain and embarassment, and got my life back on track!

In case you don’t know this is what a bad credit rating looks like:

How To Improve Your Credit Score

(Note: Any Score under 600 is considered to be a bad credit rating)

Like many people, my bout with bad credit started with my job. Well in my case was my own business. Now granted I would never claim to be a great business person, but as the US economy started to slow, the Las Vegas economy came to a screeching halt. Pretty soon my business was operating at a snails pace and not long after I was looking not only for a second job but a NEW one.

Again like many, I started to get behind on my bills and eventually moved to a new town for a new job and was on the brink of bankruptcy. (in factmuch of my own family told me that bankruptcy was my best option. Good thing I did not listen to them.) When I finally woke up from the devastating horror of losing my business and more importtantly my pride, I realized I was in deeper trouble.

Every where I went my poor credit would follow me. I remember being turned down for a crappy apartment (that I didn’t want to live in anyway but felt like my only option.) Because my credit was to low and I did’t qualify for it.  I would have to buy credits for a cell phone because there was not a cellular phone company out there that would give me credit for a phone. Not to mention the utility companies charging me insane amounts of money for deposits to get my heat and lights on.

Even though I managed not to go bankrupt my credit was literally in the toilet. After moving my family to a new state to start a new job, I was finally able to get back on my feet. Finally I got caught back up on all the bills and started to take a look at my devastated credit rating. As ludicrous as it might sound I was a complete optimist and started searching for ways to improve my credit rating on the internet immediately.

This is when I found Brian Diez’s The Credit Audit I read the information and watched the videos and actually found it to be pretty educational… especially for a page that was designed to sell me something.

At this point I figured, “To heck with it, this book is cheap and if it doesn’t work, it’s no skin off of my back and if it does, I can finally get my credit back on track.” So I downloaded the videos that were offered on the site and began reading the included information, (the How To Improve My Credit Rating pdf’s) and before long I was putting a few of the strategies to use and things started to get removed off my credit report.

I know it may sound over the top – but within 60 days my credit was slowly rising. I even managed to get a new unsecured credit card to start rebuilding my credit with.

I was seriously shocked that I was already back on my feet in just a few months.

Since I’ve been using these strategies and following the simple steps to rebuild my credit rating,  I have now got my score higher than it has ever been. I have just qualified for a loan on my first house and am making offers on a brand new home as I am writing this article.

That’s it – That’s how I beat the credit bureaus. No waiting for results for years, No expensive lawyers,  just a few simple srategies and follow a couple steps and I was  back on my feet.