When was the last time you checked your credit score? If you share expenses with someone else, it can be easy to ignore your credit for a long time But things can change quickly. Whatever the life circumstances may be that find you suddenly on your own, a lack of credit is a big hurdle. The best thing to do: get your credit score up before you need it. There are no quick fixes, but Michelle has felt firsthand the impact of poor credit, and her tips for raising it into the black are practical and actionable. Sure, they call for some listmaking and a bit of math, but when you start to see that number creep upward and the line of credit offers (not to mention the relief) start rolling in, you'll know your hard work was worth it. Learn practical steps for repairing your credit rating: The importance of accepting hoops you might have to jump through at the beginning How to watch your credit report like a hawk Recognize that it's a slow—but steady—process Do the math and work toward the ideal credit utilization percentage Important resources from this episode: Download Michelle's free Money Date workbook - https://alchemyaccounting.ca/podcast-25 Michelle's credit-building spreadsheet - https://vd848.infusionsoft.app/app/orderForms/Debt-Reduction-Calculator Get more support from Alchemy Accounting - https://app.acuityscheduling.com/schedule.php?owner=22247032&appointmentType=35904554  Get More of Michelle: Alchemy Accounting & Bookkeeping: https://alchemyaccounting.ca/ The Sacred Money School: https://the-sacred-money-school.mn.co/ Read her book! Confessions of a Money Rock Star: https://www.amazon.ca/Confessions-Money-Rock-Star-Abundance/dp/198867509X/ref=sr_1_5?crid=2EKILMESTSGCS&keywords=michelle+cooper&qid=1687550778&sprefix=michelle+cooper%2Caps%2C77&sr=8-5 Instagram: https://www.instagram.com/michellebcooper/ LinkedIn:  https://www.linkedin.com/in/michellebcooper/   

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