How To Rebuild Your Credit Score In 2019
Our credit scores are one of those things that can be out of sight out of mind, and yet impact our entire lives. Whether we check our scores as much as we check our text messages or happily turn a blind eye, they are still impacted because of our spending habits and the way we view money. If you've been thinking about getting serious about money goals and getting your funds together, your credit score is a key place to start.
Now, I know that looking at it can be intimidating, and that's probably why it gets this out of sight out of mind reputation. But with these small and simple steps, you can help rebuild and improve your score to get it to where you truly want it to be.
7 Steps To Rebuild & Improve Your Credit Score
1.Knowledge Is Power
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For starters, what is your credit score? While it's none of my business, it's certainly all of yours. Those little three (seemingly petty) numbers have the power to determine some of life's most major moments we hope to experience. But if it is worthy of a side eye, then that can definitely be a downer.
The first step in building or improving your credit is actually knowing your score. Sites like Credit Karma do an amazing job of not only giving you your score and entire credit report history as many times as you want it for free (without making your score go down), it also alerts you of any changes that are made. They allow you to learn more about your credit habits and why your score might not be as high as you like. While they offer tips for improvement, the most important factor is that you have to know what your score is to begin with. After that, you can get to work.
Feature image by Getty Images.
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I Cleared $35,000 Worth Of Debt While Making $12 An Hour – Read More
A 5-Step Guide To Getting Out Of Credit Card Debt – Read More
6 Things To Do With Your Tax Refund – Read More
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- How to Rebuild Credit: 5 Strategies - NerdWallet ›
Charmaine Patterson is a journalist, lifestyle blogger, and a lover of all things pop culture. While she has much experience in covering top entertainment news stories, she aims to share her everyday life experiences, old and new, with other women who can relate, laugh, and love along with her. Follow Char on Twitter @charjpatterson, Instagram @charpatterson, and keep up with her journey at CharJPatterson.com .
ItGirl 100 Honors Black Women Who Create Culture & Put On For Their Cities
As they say, create the change you want to see in this world, besties. That’s why xoNecole linked up with Hyundai for the inaugural ItGirl 100 List, a celebration of 100 Genzennial women who aren’t afraid to pull up their own seats to the table. Across regions and industries, these women embody the essence of discovering self-value through purpose, honey! They're fierce, they’re ultra-creative, and we know they make their cities proud.
VIEW THE FULL ITGIRL 100 LIST HERE.
Don’t forget to also check out the ItGirl Directory, featuring 50 Black-woman-owned marketing and branding agencies, photographers and videographers, publicists, and more.
THE ITGIRL MEMO
I. An ItGirl puts on for her city and masters her self-worth through purpose.
II. An ItGirl celebrates all the things that make her unique.
III. An ItGirl empowers others to become the best versions of themselves.
IV. An ItGirl leads by example, inspiring others through her actions and integrity.
V. An ItGirl paves the way for authenticity and diversity in all aspects of life.
VI. An ItGirl uses the power of her voice to advocate for positive change in the world.
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If you’re like many other people who are prioritizing wellness these days, then attending a wellness retreat might be something to consider. Wellness retreats are a cool way to get the relaxation you’ve been missing in a space with like-minded people who share a common goal. I descended upon my first wellness retreat, the Mind, Body, + Sol Retreat, a couple of weeks ago at the Zoëtry Agua Punta Cana Resort in Punta Cana, Dominican Republic.
Zoëtry Agua is part of the Inclusive Collection for the World of Hyatt. It is nestled on a secluded part of Uvero Alto beach, which has crystal blue waters. The resort itself is picturesque, with its thatched roofs and lazy rivers that make you feel like you’re in a cute little village.
Mindy, Body, + Sol Retreat was hosted by Koya Webb, holistic health and wellness coach and yoga instructor, and it also featured other wellness practitioners who combined provided the ultimate gift of relaxation and getting back to oneself.
The first night was a Welcome Dinner that featured a five-course meal and an opportunity to meet our companions for the next three days. The food was impeccable and the only downside was that I wasn’t able to finish it all. The next day, however, was the official start of the classes, and I was ready to dive in.
Aura and Chakra Reading
Aura and chakra reading
Photo courtesy
My first class was an aura and chakra reading led by Laura McCann and James Levinson, an Asheville, NC couple. I’ve had chakra readings before, but never like this. There was a computer, a camera, and a scanner, which I placed my hand on for the reading. After two minutes, I received a 15-page report explaining my aura and chakra reading.
It breaks down what the colors of your aura are and what your chakras say. My main colors were green and yellow, which were defined by a variety of things. The top of my aura was green, meaning I have a social mental state and I’m a natural healer. My aura on my left side was yellow meaning my energy flowing is optimistic and light and so on.
After James discussed the findings with me, I then met with Laura, who gave me aromatherapy oils from their ADORAtherapy line that represented each chakra. She further explained the results of my chakra reading and shared how each oil can assist. Chakras are the energy centers in our body, and there is a total of seven: root, sacral, solar plexus, heart, throat, third eye, and crown. All of my chakras were high except for my heart chakra, which I have since been working on. I may follow up about that in another article.
Sound Bath
Sound bath class
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Next was the sound bath class. It was located in the spa, which was indoor/ outdoor and the perfect setting for this kind of experience. Andrew Francis and Carrie Bailey of Zenden Meditation were the co-pilots in transporting attendees into a place of tranquility. I laid down, closed my eyes, and allowed the sounds around me to bring me into a relaxing state. From the singing bowls to the wind chimes, I was in heaven. I even fell asleep and got some of the best rest I’ve had in a while. It was a beautiful experience. However, remember when I noted it was an indoor/ outdoor venue? I forgot to put on bug spray and woke up pretty itchy. But it didn’t stop me from enjoying the moment.
Tea Party
Art of Tea Ritual Tea Party
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The last event of the day was the Art of Tea Ritual located in the resort’s tea garden. It was everything you could want in a tea party. Delectable treats such as cookies, cakes, and white chocolate-covered strawberries, which are my fave. And, of course, tea. While I got to sip tea, I also got to make my own tea blend. There were many different teas to choose from, like hibiscus to your regular black tea. I decided to mix rose and mint and I called it RoseMint. I didn’t get to try my tea blend until I got home, and I’ll be honest, it’s probably the best tea I ever had. The tea herbs taste so fresh, and I love how fragrant it smells.
Breathwork
Breathwork Class
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The next morning was all about breathwork. If you exercise regularly, then you probably know the importance of breathing. But there’s more to it besides remembering to breathe during your workout. Margaret Townsend is a breathwork facilitator who helps people achieve wellness by consciously changing their breathing patterns. In her class, I learned to change my breathing pattern for energy as well as for relaxation. While I know that breathing is a relaxation tool, I was blown away to learn that it can also energize you. Because it was a different breathing pattern, I was also able to stay present and keep a steady pace.
Yoga
Koya Webb's yoga class
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The final class of the retreat was evening yoga with Koya Webb, who, as I mentioned earlier, was the host. Her class was held beside the beautiful Uvero Alto beach, which made for a stunning backdrop and the perfect way to end the retreat. It was important for me to get back into my body after not doing yoga for a few weeks, so I was really focused on nailing the moves. However, Koya kept the energy light and fun, evening cracking a few jokes throughout, which made it easy for me to relax and enjoy the moment. She ended the class with a dance break and hugs from our classmates.
The Mind, Body, + Sol Retreat reminded me how important it is to take time to love on myself. Each class was an opportunity to be present and get reacquainted with oneself in the most loving way. Being surrounded by individuals who encouraged my journey was what I needed, and I am so honored to have had this experience.
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