Everyone gets in a financial bind from time to time, and even if you have no credit or bad credit you can improve your credit over time.

1. Get your Bad Credit Back on Track
Everyone gets in a financial bind from time to time, and sometimes that can even affect your
credit. If you have no credit or bad credit you might think that you have no options, but in
reality, you are able to correct your bad credit over time. Here’s how:
1. Make a budget you can actually stick to. How much money you spend should always be as
much or less as you earn.
2. Get a free annual credit report. You need to know where you stand in order to improve your
credit score. Luckily, you are able to get a copy of your credit score report every year. Go online
to do this—it’s quick and easy. Make sure the report is accurate and report any issues or
concerns to the credit bureau.
3. Pay off debt, including any outstanding credit cards. Not sure how to start? Prioritize your
bills by interest rate. Those bills that accrue higher interest over time should be paid before
those that are more lenient.
4. Take advantage of payment options. Contact any organizations whom you owe money to
and let them know your challenges. Ask about your payment plan options because many times
they are able to work with you and help you through your financial lull.
National Pawn & Jewelry
901 E. Cesar Chavez, Fl#2
Austin, TX 78702
Phone: 512-291-1111