When you are restoring your credit you need to pay down your debt. 

Apart of restoring credit is learning how and when to use your credit . 

It doesn't make since to restore the credit when you do not have control over the use of your credit cards.

Most people cringe when they hear that they need to stop using their credit cards. 

Cutting up your cards can help you do that.   As long as you are realistic about your credit card debt you can do something about it.  

It will take you some time to stop living by your credit cards, but it will be well worth the sacrifice.  The benefit is that your credit score will go up as your debt goes down. 

Stay tuned for more previews into my new credit course.

To get a copy of my new book click www.sexliesandcredit.com. 

Miss Rene'