Is It Possible to Clean up Bad Credit on Your Own?

Often time’s people feel as if they have no choice but to either wait for their credit to improve on its own or seek professional help. But is it possible to do it yourself?

The answer is a resounding “yes!” Not only can you do it yourself, it’s often better for your credit to do it yourself than to get professional help.

A professional might charge you $200 an item to get it off your credit report. From all three reporting agencies, that’s $600. If you applied that $600 to paying down a high balance account instead, that’s often a much better use of your money than hiring a professional. Let’s face it – any amount of money during the COVID-19 pandemic can be better spent elsewhere.

What does the process of repairing your credit report on your own look like?

Start by Figuring Out Exactly What Needs to Be Done

Start by going through your credit report and writing down all the different items that you need to dispute.

Disputing incorrect entries is easier than you might expect. Credit rating agencies are legally bound to research each single claim of inaccuracy.

Go through the credit report from each reporting agency and note each inaccurate account.

Contact the Agencies

The best way to contact an agency is through the mail. Letters of dispute can be tracked using certified mail. Make sure you keep records of every letter you send in case you must take further action in the future.

Mail the agency with a listing of all inaccuracies and request that they either be removed, or they provide proof that the item is correct.

You should receive a response within about 30 days.

Note that sometimes reporting agencies will remove your item in 30 days and put it back in the report if they receive the proof later. If that’s the case, they’ll need to send you the proof and a letter informing you that the item was placed back on your report.

If you don’t get a written notice, you’re legally eligible for $1,000 from the reporting agency.

Cost versus Benefits of Doing It Yourself

As discussed earlier, it’s much cheaper to do it yourself than to hire a professional. The money saved can be used to pay down debts, further improving your credit.

However, there are a few things that you must consider when you’re disputing credit report items on your own.

First are the time requirements. You need to carefully research every disputed item to ensure that it truly is incorrect. Then you need to provide any documentation you can and keep tabs on everything.

Also, you should consider the amount of energy it takes to go through this process. Simply trying to hold all the pieces in your mind takes a lot of concentration; and for many people it can be stressful.

Should you do it on your own? It depends on whether you’d rather have the time or have the money. If you can spare the time and would rather do it yourself, it’s absolutely a viable method and thousands of people do it every year.

Want to learn how to properly take the steps I mentioned above to the next level: You may want to take a look at myCredit System!

26 Step by Step How To Repair Your Credit Videos

4 Rounds of Dispute Letter Templates

Re-establishing new credit via little known sources

Income Shifting Strategies for producing increased cash flow

Minimize Expenses Tool

Debt Elimination Tool

Investment Calculator

Receive a walkthrough of the entire credit repair process; everything from pulling your personal credit report, writing disputes, mailing certified letters, follow up and even credit rebuilding. The myCredit System provides the best training and education to help eliminate the financial burden of debt and negative credit. Increase your credit score and get on track with your personal finances.

P.S. – I’m a user of the myCredit System and became an independent promoter of the program. If you purchase the program, I will receive a commission. If you’d like to talk more before you make any purchase to see how this worked for me, feel free to post your questions in the comments or reach out through my contact page today!

Look at Your Daily Routines

Your daily routines are simply the activities you do each day, in a certain order or sequence. Most people are not even aware of their habits and routines because they just do them on autopilot. But understanding more about what you do and why you do it can help tremendously for making positive changes.

Make a List of Your Routines

Before you can figure out if you need to adjust your routines, you need to understand what they consist of right now. You have routines, whether you realize it or not, from how you get ready in the morning to what you do after you get off work.

Take some time to journal out what your routines are. Here are sometimes of the day to write about if you’re not sure where to start:

What you do when you first get up in the morning
Your routine when getting ready for work
Your lunch break routine at work
The afternoon routine after picking up kids from school
Your bedtime routine
Your weekend routine

Write as many details as you can, paying close attention to certain tasks you always get done, but also tasks that seem to be missing.

Is There Anything Missing?

Once you have your list of routines, you can see if anything is missing. What do you feel like you are not spending enough time on? What habit do you want to add to part of your routine?

When you wrote down your routines, you probably saw some things missing. Maybe you noticed that spending time with your family isn’t happening often enough, you have no down time, or you keep forgetting to drink water first thing in the morning. It doesn’t matter what it is, but if it’s important to you, the life reset is when you should start figuring these habits out.

Do You Have Habits That Don’t Benefit You?

You should also cross off anything in your routine that isn’t serving you. Have you noticed that every day when you get home from work, you spend over an hour just browsing social media on your phone? If this is causing you to lose time for other more important things, try to change this routine by limiting social media time, and adding something else in its place.

Maybe you set a timer to use your phone for 20 minutes, then get up to make a snack, go for a walk, or write in your journal.

Are there some routines that you want to reconfigure this year? I would love to read your thoughts in the comments.

Love and Light!

Meditation and Mindfulness During a Reset

A common theme surrounding improving your life and especially your mental and emotional health is doing meditation or mindfulness. But we are a big fan of doing both. Each of these practices benefits you in a similar way, with a slightly different technique, but they blend beautifully into one life-changing practice.

Meditation and Mindfulness

These are similar practices but done in slightly different ways. With meditation, you are most likely focusing on your breathing, closing your eyes, and trying to clear your mind. When you are practicing mindfulness, it is not done with your eyes closed, but instead when participating in another activity.

When to do meditation – If you need calming your mind, getting all the static out of your head, and are struggling with your excessive worrying and anxiety, meditation is a great option. It does take a bit more practice and patience, so don’t expect to master it on the first try.

When to practice mindfulness – With mindfulness, it is easier to do on a regular basis, as you can participate in it more often. This is great if you struggle with a bad relationship with food, problem concentrating, issues with focusing too much on the past or future, or just to slow down and appreciate each moment in your life.

Start with a Simple Meditation Routine

If meditation interests you for your reset, start small with just a simple breathing or visualization exercise. Breathing exercises provide a way to meditate without putting too much pressure on yourself to be perfect.

Just sit in a quiet room with the door closed, find a comfortable spot to sit down, and close your eyes. Just take the first couple minutes to sit quietly and let your thoughts dissipate. Once you feel more relaxed, begin focusing on your breathing.

Inhale and exhale slowly, feeling your diaphragm and focusing only on your breathing. Notice the sound and feeling of each breath as you breathe in and out. The more you concentrate on your breathing, the less you will focus on the intrusive thoughts.

Practice More Mindfulness

Being more mindful is a practice, but something that can benefit you so much. The great thing is that mindfulness can be done just about anywhere.

To be more mindful, you are simply acknowledging and appreciating the current moment. For example, when you are eating, you turn off distractions and focus on your food and the enjoyment you get from each bite. You are not thinking about the calories or what you plan to do after you eat, just focus on your meal.

Some other easy ways to practice mindfulness include:

Turning off the radio and enjoying the sights when you are on a drive.
Going for a walk and taking deep breaths to enjoy the fresh air.
Letting your mind relax when you are in the bath or shower.

Do you have any tips for beginning the practice of meditation or mindfulness? I would love to read your thoughts or questions below.

Love and Light!

P.S. – Happy 2021!! I hope you can take everything from this year and apply lessons to your life in the coming year. I’m hoping to do the same – one moment at a time.

Have a Plan with Your Reset?

With 2021 literally around the corner, most people are creating their new year’s resolutions. Make sure when you start looking into doing a life reset, you have a solid plan. This includes understanding why you are doing it, what parts of your life you want to take inventory of, and what changes you intend to make.

Understand Why You Are Doing a Life Reset

You can’t really work on your life reset plan until you know your main reason for doing it. Everyone has a different motivation for wanting to make changes in their life, which is why it is important that you understand your own reasons.

What made you originally come to this decision? Write down anything you can remember from when you first got the idea to make changes in your life. You might have come across it on a blog, or just thought you wanted a reset to look at your goals.

Know What Areas are Most Important to You

When you think of making any type of change or improvement to your life, what comes to mind first? Maybe you want to improve your health and lose a few pounds, be more active in general, focus on your work and finances, or start a business. You might be needing more time with friends or make self-care a priority.

It can be anything and everything, if it is important to you and something you are passionate about improving.

Don’t Worry About What is Working for You

What I mean is not to pay so much attention to habits or routines that are still serving you well, and instead put your focus on changing what isn’t working. If you try to split your focus between changing everything in your life, you are going to get overwhelmed very quickly.

When you choose the areas of your life to “Reset”, you can figure out what might not be working now, and what to put all your energy into.

Choose Your Methods for Resetting

This is related to what areas of your life you want to improve. So, if you are most concerned about reaching your financial goals, then maybe you want to use a planner to track spending and savings. If you are trying to improve your health to live a more balanced lifestyle, it might be tracking your food, creating a simple exercise plan, or making an appointment to see your doctor.

These simple steps will allow you to create a reasonable plan to start working on your life reset.

Are you making any plans for a reset in the new year? Let me know how you’re going about it in the comments below.

Love and Light!

Overcoming Limiting Beliefs

Dear Libra’s Balance Readers,

Do you know what your limiting beliefs are?

I was forced to think about this through my life coaching courses. Most times, for many of us, we don’t even realize that we’re experiencing these types of thoughts. A limiting belief is a type of thought you have that provides some type of constraint and keeps you from even trying. It can be about you, other people, society, or anything else.

This might be a limiting belief that you can never be wealthy, won’t achieve the level of success you dream of, or that you can’t wear that swimsuit with the body you have now. Limiting beliefs can be big or small, and all impact you deeply.

Why Are Limiting Beliefs a Bad Thing?

The reason you don’t want to have too many limiting beliefs is because they can keep you from putting effort in trying something. Limited beliefs are typically beliefs that aren’t even true. They are based around fear, anxiety, or experiences you have had in the past.

Some of the limiting beliefs that I constantly must guard against are not feeling as though I’m good enough or not feeling worthy of love due to past experiences with family and romantic partners.

Try not to let your fears dictate your life. Limiting beliefs can keep you from completing your goals, because you have this idea that you will never be able to reach that area of success in the first place. Which is false – you can do anything you put your mind to – unless of course you want to sprout some wings and fly.

What Are Your Limiting Beliefs?

Make a list of any limiting beliefs you might have. Here are some to help get you started:

I’m not good enough.
I’m not smart enough.
I don’t deserve it.
It didn’t work out in the past.
I always quit everything I start.

This can be related to anything from romance and relationships, to work, budgeting, becoming healthier, losing weight, really anything you can think of that is a goal of yours.

How to Challenge Them

Once you have your list of limiting beliefs, go through each one and find a way to challenge them or flip them around. Go down the list and one at a time, write down what is causing the limiting belief in the first place, then come up with a way to challenge them.

For example, many people have a limiting belief about losing weight. They assume they can’t lose weight because they tried and failed in the past. How can you challenge this? Maybe you try a different method, you do it with less restrictions, you start slow, or you find motivation from other people who have lost weight successfully.

It doesn’t matter what it is; there is a way to challenge these limiting beliefs.

What is a limiting belief you’ve had and how did you work your way through it? Are you currently overcoming a belief? Tell me more about it in the comments.

Love and Light!

P.S. – Would you like to engage in more in-depth conversations regarding limiting beliefs? Join my Intentional Holistic wellness group to have these conversations with peers who are compassionate and will help give that push you need to do the work you need to do to step forward in your journey!

Signs You Need a Life Reset

Maybe you have been reading about resetting your life and making healthy changes, but you still aren’t sure if YOU need to do it. Here are some common signs of needing to take a closer look at your life and make changes that will benefit you in the long run.

You Are Experiencing Burnout

The first sign that you are in need of a reset in your life is when you are experiencing burnout. This often happens when you are either working too much, or focusing so much on one thing, that the rest of your life is being neglected.

It is possible to have burnout even when you don’t feel “busy” constantly. Burnout can happen from focusing too much on one area of your life, which makes it to where you are so exhausted with that certain activity or aspect of your life, the rest of your life is kind of falling behind.

This happened to me not so long ago with my volunteer work. I went from having delighted feelings to those of anger and resentment. Needless to say, it wasn’t a good feeling.

You Keep Trying (and Failing) New Things

Have you noticed that you keep trying new things toward a specific goal, but then you quit pretty soon afterward or lose your steam? This is a really good time to do a reset and try to find where your priorities are.

This isn’t always just a case of having no follow-through. Sometimes, it is because you need to reevaluate things, remind yourself why you set these goals, and figure out what tasks would be better suited for you to complete those goals.

You Haven’t Worked on Your Goals in a While

Maybe you have goals that you thought you really wanted, but you never seem to work on them much. Things happen and lives get busy, but if it has been months or even years, then now is the time to either decide how to reach those goals, or replace them with something else you are more passionate about.

You Feel Stuck, Helpless, or Unmotivated

And lastly, if you have been feeling a little stuck, lost, or just unmotivated, it is time to look at your life and figure out what isn’t quite working for you. These feelings can come from many things, from your mental health to just being overworked.

Start writing in a journal or blog to figure out why you are experiencing these emotions, and work on a life reset so you can get down to what is happening and why you feel this way.

Have you ever needed a life reset? What were some signs that you noticed and what was your first step in changing?

Love and Light!

Warped Beginning‘s

I’ve been very intentional as it relates to my journey of healing over the past three years (as of the writing of this post. In my head, it sounds like a constant refrain. I’ve tried to be more open to a broader audience so I could stop living in the fear of not appearing to be the stereotypical view of silent strength that many men of color are taught to prescribe to and I want to let others know that keeping these things bottled up can only hurt us in the long run.

Check out the following short clip from The Fresh Prince and I’ll be sure to continue my thoughts beneath.

I just had to take a moment before finishing this post. It’s still a hard clip for me to look at.

I carried the character’s feelings – abandonment, not feeling as though I’m good enough, anger and a broken spirit – with me for years. To a certain extent, I still do.

When folks hear me talk about my journey of healing, this is where it all starts.

I was soon to be 11 years old when our family dynamics changed irreparably – our unit changed, never to be the same again. I internalized much of that. I won’t go into the gritty details in this post because this is about my journey and no one else’s.

I’m now 41 — between the start of what I view as the beginning of things through the time when I started walking my path, that’s nearly 30 years of my life. I just grew tired of being stuck in a rut; hitting the gas pedal and not being able to move forward. I was tired of relationships (whether romantic or on a friendship level) not being as open as they could be. I knew something was wrong but I didn’t know that I was broken emotionally. I held a warped sense of who I was. I became an over-achiever – student government, preaching at a young age, not trying to not cause issues for my mom. I also grew to be distant because that was my way of numbing the pain I felt.

Did I understand what I was doing at the time? Absolutely not.

As the old saying goes, “If only I knew then what I know now…”

People are naturally drawn to me but I would hold relationships at a certain distance. I would build that wall so high, dig a mote around it, place alligators and sharks in the water, put up some barbed wire fencing, and on and on. Then I would stand a few football fields back and smile and wave and I thought I had it all under control.

I thought I was protecting myself. In the end, I wasn’t allowing any of the comfort, companionship, love and sense of belonging I was searching for to enter because I had set up so many booby traps — but I did have a fucking smile on my face – looking crazy as all get out.

A significant relationship ended for me about three years ago – partly due to my issues and in a big part because of the other person’s honesty and loyalty. For whatever reason, the lightbulb turned on and I thought I needed to make a change.

I started participating in counseling and began explaining to folks that my past actions touched what was wrong emotionally on my end. I didn’t always get the results that I wanted but everyone is on their own journey and I have no control over that.

BTW, that’s also an issue I’ve had – I wanted to fix everything for people.

My healing was put to the test recently as it relates to friendship and romantic partner. To make a long story short – I reached out to trusted people, shared my grief, approached counseling and was able to pull myself out from wanting to retreat behind the wall with the mote!

It may not sound like much but I’m so proud of this!! I’m practicing what I preach. Has it been perfect? Hell no! But it’s a hell of a lot better than what I used to do.

I will always look at the world through the eyes of Will Smith’s character above. The difference now is that I have gained tools to handle it in a better way and demand that I be treated in a better way.

Love and light!

A Step by Step Guide to Do-It-Yourself Credit Repair


There are many options available if you need to repair your credit. Credit repair companies will help you, but they do charge a fee. Some of these companies really do a good job, but many do not. 


Repairing your own credit is entirely possible. If you’re persistent and organized, you can do just as well as any company available for hire. 


Follow these steps to successfully repair your own credit:


  1. Get copies of all your credit reports.Equifax, Experian, and TransUnion are the big 3 credit reporting firms. You should obtain all three reports. 


  • You can obtain a free copy once a year from each of these companies at
  • If you’ve recently been denied credit or a job for having poor credit, you can also get a free copy of your reports, even if it has been less than a year since you got a copy. 


  • Find out what these companies are saying about your credit worthiness.
  1. Find any errors. Once you obtain your credit reports, look for any negative information, even if it’s true. Nearly everyone has at least one error on his or her credit report. 


  • Remember that the credit bureaus just report information. They don’t take the time to verify it. 


  • Make a list of everything you want to dispute.
  1. Dispute all the negative items. While it won’t do any good to dispute true items still carrying a balance, everything else is fair game. Items with a balance will just reappear the following month anyway. 


  • All disputed items should be documented in writing. Do not use the forms that are available online on the credit bureau’s website. That just makes everything too easy for them.


    • There are many form letters online that you can use for your dispute. You basically just want to say that you don’t agree with the items and wish to have them verified.
    • The credit bureau then has 30 days to go back to the creditor and verify the accuracy of the item or else the item must be removed from your credit report. This applies if they fail to accomplish this task in time, for any reason. It’s the law!
    • Be sure to send all of your correspondence by registered mail or some equivalent. You want to be able to prove when the item was received by the credit bureau.
    • If they don’t verify the items in time, remind them of the law and demand that the items in question be expunged from your records.


    1. Don’t give up. Persistence and being organized are the keys to success. You must send your letters, follow up, and document everything. Keep copies of your letters and their responses. You just might need all of this information at a later date.
    2. Realize the truth of the situation. Credit bureaus make money by selling credit reports, not by responding to your inquiries. The last thing they want to do is spend time and resources on you. If you’re a pain in the neck, you might eventually get what you want.
    3. Don’t be afraid to use the court system.Taking the credit bureaus to court and suing them can sometimes be the best solution. 


    • Anytime you have a mistake on your credit report that the credit bureau refuses to remove, there is a $1,000 fine. The same $1,000 fine applies for any item that they fail to verify and refuse to remove. 


    • Credit bureaus have a long history of caving in at the last minute and giving the consumer everything they want.


    • Don’t hesitate to file a lawsuit with your local small claims court.


      • You might have to actually show up to court before they are willing to deal. But these credit bureaus don’t want to get stuck with thousands of dollars in fines, especially when they have nothing to gain. Give it a try.


      Do-it-yourself credit repair is something that anyone can do. It really is very simple and effective. It can take months to see any real improvement, but it’s much faster than just waiting out the many years it takes for the items to fall off the list naturally.


      Boost your credit and better your life. You’ll be happy you did!


      P.S. – If you’re looking to improve your wealth building potential by taking a wholesale approach to your financial well-being, join my team today!


      A Selfish Journey

      Selfish. Over the past two days, In various conversations, I’ve heard that word used as a negative.

      Specifically, those conversations were dealing with people on their personal journeys of emotional, physical and/or spiritual healing. In just about every conversation, people have been told that they were selfish because they were making positive changes for themselves that people surrounding them didn’t like.

      I believe that we, as humans, typically don’t like change. Many of us drive the same route to work, we get up at the same time, we cook the same meals. So when our friends and family see changes happening, even though they are positive, that scares them… At least in my view. That leads me to my conversation piece today:

      What is your definition of selfish? Can a person that is making a positive change for their well-being be considered selfish? Why or why not?

      Let’s have a discussion. Love and light! 😍

      10 unusual Ways to Raise Your Credit Score

      It’s possible to raise your credit score with some simple changes. Credit scores affect insurance rates, loan interest rates, and other important financial products. A higher score can lead to a brighter financial future!


      Consider using these ideas to raise your credit score:


      1.      Piggyback on good credit histories. You can use a family member’s or friend’s good credit history to help you. 


      ·         If you add yourself to an account in good standing, your credit score will go up. 


      ·         Most credit cards allow users to add family members and distant relatives to their accounts. 


      ·         You’ll be an authorized user on the account and able to make purchases and pay the bills. 


      2.      Keep old accounts open. It’s important to keep older accounts like credit cards open because they influence credit scores. Credit scores can decrease if you close accounts.

      ·         Account age also matters. Scores are affected positively by older accounts because they show a history of maintaining credit.

      ·         Plus, these old accounts add to the amount of credit you have access to, thus lowering the percentage of available credit you’re using, which raises your score.


      3.      Set up auto-payments. Automatic payments are a convenient way to pay bills every month. They’re also an easy way to avoid a late payment and a fee. Auto-payments can help improve your credit score by preventing these issues. 


      4.      Pay credit card bills more than once a month. Credit scores rely on a debt utilization ratio. This ratio compares how much debt you have to the size of your credit limit. 


      ·         One way to improve credit scores is to lower the debt utilization ratio. 


      ·         Paying your credit card bills more than once a month can help you improve the score by decreasing the ratio. Extra payments lower your debt while increasing how much credit is available during the month.  


      5.      Ask for good-will deletions. It’s possible to ask credit reporting agencies and lenders for good-will deletions. 


      ·         Late fees, late payments, or unpaid bills can affect credit scores. A good-will deletion is a request to remove these items based on a prior good history. This method works best if you’re a long-term customer with few issues.


      6.      Avoid pre-approved offers. The pre-approved offers that come in the mail usually require a credit check, and multiple credit checks affect your credit score by lowering it. 


      ·         It’s also beneficial to avoid creating too many accounts. It’s easier to manage a smaller number, so you’re less likely to make mistakes. 


      7.      Avoid new utility accounts. Utilities like gas, electricity, and phone services require credit checks that lower scores. It’s better to transfer utilities to a new address instead of opening new ones. 


      8.      Remember library fines. Did you return all of your library books? Unpaid fines can decrease your credit score, and libraries can send unpaid bills to collection agencies.


      9.      Avoid online quote comparisons. Online quotes for insurance or loans count as inquiries on your credit score. These credit checks affect the score each time you ask for a quote. 


      ·         Getting quotes from multiple websites can lead to many credit checks. It’s best to narrow down the options before getting a quote, so your score isn’t affected. 


      10.  Establish long-term credit. Instead of switching to a new company that promises lower rates for a few months, consider staying with the previous one. 


      ·         Credit scores go up based on positive, long-term relationships with lenders. 


      ·         It may be tempting to take the lower credit card offer from another company to move balances, but your score may suffer. 


      It’s possible to raise credit scores with several strategies. Careful planning is an important part of getting a higher score.


      PS – If you want more tips like these, check out a full credit system that will put you on a brighter financial footing.


      Were you surprised at any of these tips?  Did I forget to add any that you think would be simple for folks to follow?  Share your thoughts in the comments.


      Love and Light!