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I Spent Years Working Toward a Better Credit Score, and It Really Paid Off

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Back in mid-2012, my husband and I brought our 1-year-old son to live in the US after many years of living abroad in the UK. Both of us had lived out of the country for so long that when we finally moved back, our credit scores were burnt to dust.

In my case, I had NO credit score at all. I had not established credit history before I moved to Europe, and since I’d lived there my entire adult life, I was starting over at age 30 with no ability to buy a car, rent an apartment, or even get a decent credit card!

My husband was also disappointed to find that while he’d been out of the country, his ex had run amuck with his credit, using his name to lease a car, get cell phones for her and her family members and refusing to pay for any of it when things came due. As a result, my husband’s credit was in the 400s, and our plans to buy a home had to be put on the backburner.

We spent nearly a year living in a one-bedroom apartment with our toddler son, and to add to our stress (and bills!), I fell pregnant within a couple of weeks of arriving in the States.

It was an incredibly difficult year for us, and we read up everything we could on how to build our credit scores. We made a ton of mistakes along the way, but thankfully my husband built enough credit that we were able to finally buy a house. Three days after our offer was accepted, I gave birth to our second son.

Little by little, over the next few years (and a couple more pregnancies), our scores grew. I remember how excited I was when I made it into the 600s. It felt like a huge victory, despite the fact that it wasn’t quite the score that lenders look for. And that proved a problem when we were once again pregnant and moving across the country!

Once again, we found ourselves working and saving, living as frugally as possible in order to build enough credit to buy a new home in a new state. And we managed it! We bought our dream house, where we now live with our FOUR sons.

Amazingly, even during times of stress, I found what really motivated me was the chance to travel and see more of the world. While building my credit, I found that I was also building air miles, hotel points, and good savings. I’ve been able to travel to many places on my bucket list, building my credit the entire time.

Today, I am very happy with my credit score. It is in the high 700s, and I’m slowly working toward that magical number of 800! Nothing would make me happier than to be able to breakthrough.

My biggest frustration over the last seven years is that I never found a good source of education on how to build my credit. We had to do so much research and read conflicting information from so many sources, using trial and error to see which ideas worked and which ones didn’t.

What we did learn is that your credit score is not written in stone. And it certainly does not define who you are as a person. But it does take work to build it up because it definitely isn’t going to fix itself. I really wish I’d known back then about the folks at

You can get help from today with a free consultation to help you really kickstart your repair efforts. are trusted leaders in credit repair with more than half a million clients! Better credit can save you thousands of dollars in high-interest rates. I know this to be true because the first home we bought when we moved back had an outrageous interest rate! But once our credit was more stable, our new rate was cut in half!

My best advice to anyone wanting to repair their credit is to figure out your why. Why do you want better credit? Is it to make a big purchase like a home or a car? Is it to be able to travel more? Do you want to feel comfortable knowing you can get a loan if you need it? All are valid reasons for working toward better credit. Figure out your why, and it will motivate you to keep working hard. is a leading provider of credit repair services in the US. They are a great team full of credit pros who can help educate and empower people to achieve the credit scores they deserve.

As far as I’m concerned, adventure is worthwhile. Keeping track of my credit score allows me the chance to live the life I want, traveling solo, and as a family, sharing the world with my husband and kids… and that’s worth everything.

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