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For lots of people being marked as a bad credit risk is like being ostracized by society,[link widoczny dla zalogowanych], the very same society that thrives on credit! What a contradiction! Once this bad credit label is attached, internally the wounds are deep for the person. And the view of the community, and the world around is colored by that. They are afraid that their neighbors know, and imagine gossip within the community.
Frankly, the issue is overblown. That is borne out the statistics that are regularly put out by the Federal authorities that nearly 40 to 45 per cent of the people have bad credit.
All that talk does not help of course. Once bad credit is invoked, doors that were open earlier are no longer the same.That's the downside of bad credit.
What a person with bad credit needs to understand is that it is not the end of the world. Those two words mean only that future suppliers should be careful in dealing with you. Yes, at best you may be asked to pay up a little earlier than before. And it should be expected. You would behave in the same manner if you were in their shoes. Think about it.
There are loads of people, and enterprises who know how to repair a bad credit situation. There are a whole range of books that are available,[link widoczny dla zalogowanych], ranging from the simple to the complex, which at least educate, if not help, people about it, and the various steps that could be taken to get over it. There are e-books, cds, dvds, videos. You think of any form, you can find it.
It is there because the numbers of people who have bad credit are large as well. While it may be no consolation to be amongst that company, at least you are not alone in it. Self-pity and feeling ashamed does not help. What really helps is that you should start taking steps to redeem yourself in the eyes of your creditors,[link widoczny dla zalogowanych], that "look I know I have bad credit, but I am going to pay back every penny, and till then, I need your support and understanding". That's the positive way.
Read up or download those books. Software is also now available which helps you not only to find out your real bad credit, but also helps you track your finances, and points fingers at certain transactions that may have been overlooked by the credit agencies,and even signals you when you are approaching what may become bad credit for you,[link widoczny dla zalogowanych]!
When you are caught in this bad credit bind use real money instead of plastic You will yourself spending less, and you are less likely to be tempted by the strong forces that drive the consumer market. Stay within yourself.
So buckle down, use the books,[link widoczny dla zalogowanych], use the community services and seminars by the finance companies,[link widoczny dla zalogowanych], and learn the techniques and tools on how to cope. You can always hire a counselor if you can't handle it on your own.
The bottomline is that faced with bad credit, you should come out fighting to restore your own dignity yourself. All it requires is the first step and that is to say to yourself, I am going to get this over with NOW!
The manageress and a guy behind a till were the only people in the shop and I made my way to the walk-in beer fridge at the back. Over the months they had got to know me well and no doubt had their own thoughts about me. But I was probably one of their best customers so they always treated me politely. They could not have failed to notice the huge amounts of booze that I was buying.As I made my way to the beer fridge the shop assistant appeared out of nowhere and greeted me. "Sawubona," he said. He seemed to stare right into my very soul. I wondered what was he thinking. He sometimes helped me to the car and today would be no different. No doubt I was a shock to him as well. Maybe I was too paranoid. Sure I was gaunt, filthy and sickly-looking but then maybe there were plenty of people like me coming in and out of the bottle store every day. Maybe all that intrigued them was where the money was coming from. That must be a mystery as I looked like a typical down and out. Bugger it. Let them ponder.
The cold beer fridge revived me a little and I always stayed a couple of minutes longer than necessary. I found my beer and asked the assistant to help me carry the case to the till. There I fumbled for the money and handed it over to the guy. He remained silent and passed me the change which I gave to the assistant. He mumbled a quiet "Siyabonga," and carried the case to the car.I felt that I had no choice any more. The liquor consumed all my mental and physical energy. The people who came and went in my life saw me as a babbling wreck. I comforted myself with the thought that they should see me when I was deprived of my beers.I stopped at the fridge long enough to sink a cold one and then walked into the office. My entrance went unnoticed and only Mary looked up and asked how I was feeling. Plonking myself down, I couldn't fail to notice that it had turned into a lovely day.