My credit is climbing. ๐WOW!โคด๏ธ Hereโs how!
My being frugal bit me in the ass (โฟห โฟ) because I didn't use credit cards!

A 617 credit score ainโt great, but itโs progress!
I use Credit Karma to check my credit score because I trust it, and itโs free!

So I quit using credit cards when I became disabled.
It was a good idea, but then I sold my home and looked for another one. I was looking at buying a mobile home and paying cash for it.
Little did I know, I would have to rent the space where it was parked. ๐ I could not rent anything. ๐ Low credit!
I finally got a cosigner to rent a space, my old roommate, Matt.
Bought the home and we both moved in! โ Yay!

I researched how to fix bad credit.
๐ณThe first step was a secured credit card. Capitol One was The best, according to my Google research. So I applied for one.โ๐ ๐ฃ๐ฑ๐ช๐ฝ ๐๐ช๐ผ ๐๐ช๐ป๐ฌ๐ฑ 18๐ฝ๐ฑ & my credit was 523. ๐ ๐๐ On May 9th it hit 623!
I had to deposit $200 and I was approved instantly!
After being so dissapointed, SO MANY DARN TIMES, I was like, OH HELL YEAH! โ ๐ ธ ๐๐ ฐ๐ ๐ ต๐๐ ด๐ ฐ๐ บ๐ ธ๐ ฝ๐ ถ ๐ พ๐๐! โ ูฉ(หแห*)ู โก

It does work! โ So crazy cool, RIGHT?
I havenโt used it yet, but I will. I can spend up to $200. I will, so my credit will continue to improve. โ Any ideas from financial gurus out there?

โ If you are interested in improving your creditโฆ
Here is a link to a secured Capital One credit card.
๐๐๐๐๐Click here!๐๐๐๐๐
โฐโโค๐ฐ๐ ๐๐๐๐๐๐ ๐๐๐๐ ๐๐ ๐๐๐๐ , ๐๐๐๐๐๐๐ ๐๐ ๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐ !
Credit Karma reports are updated daily.
This is mine today. They report Transunion and Equifax. In the top photo/cart, my Equifax had just from 523 to 617.

My Transunion report also jumped, just from getting that one card.
On April 18th, my Transunion was 510. On May 1st it jumped to 582!
โฐโโคWOO HOO!!!! โ ๐Kickinโ ass now!๐ฅพ

I had a HUGE MONSTER FEAR of being homeless!
๐จ I had nightmares that I was homeless for 2 solid years!
โ ๐๐ฒ๐ท๐ช๐ต๐ต๐, ๐ ๐ผ๐ฝ๐ช๐ป๐ฝ๐ฎ๐ญ ๐๐ป๐ฒ๐ฝ๐ฒ๐ท๐ฐ ๐ธ๐ท ๐๐ฎ๐ญ๐ฒ๐พ๐ถ!
Then I switched to dreaming about checking stats, reading and clapping for stories and poems, and of course, writing! โ ๐๐ฝ ๐๐ช๐ผ ๐ช๐ท ๐พ๐น๐ฐ๐ป๐ช๐ญ๐ฎ!

๐ค๐ปIn case you have not met The Sturg, itโs time right now.
His Medium bio isโฆ
Gay, the disabled nerd in an RV, Cali-bred, top writer. Editor at Illumination, New Writers Welcome & Badform. Owner of International Indie Collective pubs.
โThe Sturg,โ wroteโฆโIโm Sharing the Fundraiser I Just Started For Getting Enough Money to Secure My New Housingโ
I wasnโt about to do this but at the urging of several writers, I decided to swallow my pride and do it
In this, he wrote:
Iโm keeping this short, simple, and sweet. Many of you have already read my recent struggles with housing insecurity and the why behind what happened. If you havenโt, you can read here about it.

Hi, my name is Gerald and my partnerโs name is Mike. We have been living in a converted box truck tiny home for the past 10 months. Our vehicle is also our home and weโve had a chance to travel in it a bit. Recently, we broke down in the middle of nowhere and had to get towed to a truck stop. Weโve been stuck at this truck stop trying to figure out how to get some help. The rig is going to cost too much to fix. We have already found another lead and we just need to get over and purchase an RV to make into our new home. We are going to need time and a little monetary help to get ourselves into a better position again. We were supposed to get help from some close friends but they have been unable to help us lately so now weโre stranded here until we can get some help. Weโve still been living in our old home while itโs broken down but we canโt do that forever so we need some help getting the money to get the new rig and get a rental car to get over and get it. Itโs winter and itโs almost Christmas and I donโt want to be left with completely no options at this point. Iโd really like to think that there are some generous people out there who wonโt want to see me and my partner out on the streets in the cold of winter in the snow. Anything you can provide will certainly go a long way in getting us out of being stranded.
So who is this Jan Sebastian writer chick?

