I just got back from spending a few days in Savannah, GA for my wife’s birthday (I’m not suppose to tell you her age!!) But what a great town.  We stayed at a Bed and Breakfast that was built back in 1862.  There is so much history in that town, so much Civil war history with the big names like General Lee and others who lived or stayed in the area during the war.  The food…WOW that was a really good time!

As I got back into the groove this morning I had several messages and one woman has called me wondering if she should begin the credit repair process with us by asking the question “Is credit repair really needed in my case, I mean won’t my scores go up over time?”

Now I must warn you that I am a bit biased but I do try to give a fair assessment to this question and in answering  this question it might be best to rephrase it and ask a few other questions first.

Now I have to be honest here and tell you that my first reaction at times is to reach through the phone and grab you by the scruff of the neck and shake you like a rag doll to knock some sense in you but I refrain from this immediate knee jerk reaction.