Credit Repair

Who's making these decisions?
The fact of the matter is that many people, young adults in particular, are now placing agreater importance on credit standing, according to a report from CNNMoney. In a lot of cases, this is a problem that won't present itself until a relationship has grown fairly long and the potential for marriage approaches, but anecdotal evidence suggests that some people in their 20s and 30s are being more aggressive in seeking this kind of information.
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"If a relationship got to the point where it was serious, I would sit them down and say, 'We need to think about our future. This is where I am financially, this is where you are,'" 33-year-old Vina Goberdhan told the site. "If they have horrible credit, I would probably say, 'I'm not the girl to make you happy.'"
Having a good credit score can obviously come with a lot of benefits, including becoming a more marriageable person in the eyes of many young adults today. But of course there is a difference between simply saying that and actually doing it, so you'll need to figure out where you stand before you proceed with any plans to fix credit that you may have to make.
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What this could mean for you
Two of the biggest issues that many young people in particular may face when it comes to their credit standings are missing payments on occasion and having too much debt on hand. This is often because people in their 20s and even their early 30s these days may have relatively low-paying jobs and tend to rely on their credit cards perhaps a little more than they should.
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Exacerbating the problem for many of these people is the fact that they probably also have large amounts of student loan debt which could be creating a bit of a drag on their finances overall. When it comes to prioritizing these issues, you might find that there's not enough money to go around. If that's the case, it might be wise to create a budget that allows you to reduce your overall costs — whether that means fewer nights per month eating at a restaurant or scaling back your sizable monthly cable bill — so that you can make sure you're meeting all your deadlines on time.
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Further, cutting into your debt with larger monthly payments whenever you can afford them will likewise help to improve your standing in terms of what is known as your "credit utilization ratio." Essentially, this is just a measure of the percentage of your total credit maximums that you're using up with your debt at any one time, and the more you owe, the lower this portion of your score will be; you can max it out by carrying balances of just 30 percent of your total limits.
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In the past several years, many Americans have likely become more aware of the many ways in which their credit scores can impact their financial lives, but more recently, there has been a large and growing trend that it can also impact a person's chances to date successfully as well.

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