On occasion, I am asked are things better or worse? When it comes to “credit things”  I think a higher percentage of people are trying to tackle their budgets by keeping their spending down to align more with their income realizing the tapping into their homes equity days are over, at least for the time being.  Many people are tackling any bad credit they may have incurred realizing that any costs of credit repair are a drop in the bucket compared to just letting any bad credit stay on their credit report for 7-10 years.

People are trying to be as responsible as possible to increase their credit scores because the reality is