Stay on Track

No matter where you’re at with your credit, by now you probably have a plan in the making to reduce your debt, improve your credit, and most importantly, change your spending habits. Stick to your plan! Work with a friend, mentor, or Habitat advisor who can guide you through difficult times.

Keep your debt reduction plan handy, along with the list of Sixteen Ways to Improve Your Credit Score and your Credit Improvement Affirmations Worksheet.

It is not possible to predict how fast your score will improve. But acting on the recommendations in this Web site will help you see some improvement in six months, more in twelve 12 months, and so on.

•	Keep important papers organized and in a safe place.
•	Use the Debt Reduction Conversation Notes Worksheet to keep track of new payments you negotiate with your lenders.
•	Seek professional advice if you are considering these options: • Filing for bankruptcy • Using debt reduction services • Using debt consolidation services
•	Avoid credit repair businesses.

Making time to work on reducing your debt might be difficult, especially if you are challenged by work, family, and transportation issues. Work with your Habitat for Humanity advisor. He or she may have ideas on how you can make time during the day.