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What are your credit goals?

Credit: The Gym Membership Of Finances

When I first started college at 17 years old, the experience was really overwhelming.

I learned about all of the classes I needed to take, got a tour of the campus and found out that I had a free membership to the gym.

I took a tour of the gym to check it out.

The gym was huge!

It had a huge pool, lots of workout equipment and a track for running.

It was a gorgeous facility!

I just didn’t have any purpose to go.

I didn’t have any goals set that encouraged me to work out.

I visited a couple times, but that was it, and my free membership pretty much went to waste.

I ended up getting married and divorced and starting a whole new chapter of my life. 

Have you ever misused something or unappreciated something, but got a second chance to get it right?

I started a new BA program at another school that gave me another free gym membership.

That was my second chance!

At that time, I had two babies and had been in a terrible car accident that nearly left me permanently disabled. 

Do you think I had purpose to go to the gym then? I sure did!

When I looked at the gym membership through new eyes, I realized I could find someone to train me and I could use it with the physical therapy that I was going through after the accident. 

With a purpose for using my gym membership and specific goals, I worked out five days per week and surpassed my previous peak physical condition in 4 months.

The benefits of what I did have lasted me a lifetime.

I am healthier, I have great stamina and I feel great.

And you can’t even tell that I had been in any accident at all. 

If your credit isn’t protecting you, it’s being wasted.

If Your Credit Isn't Protecting You...

Think about how you have been handling your credit up until now.

No specific purpose for your credit other than getting approved when you want to.

No specific goals for your credit other than the car that you might want to get next year or the house you will eventually want to qualify for.

No real drive or motivation behind what you’re doing outside of just not wanting bad credit. Or just not wanting to stay at OK credit.

It sounds a lot like that wasted gym membership, doesn’t it?

Are you really using your credit toward its greatest potential?

Are you exercising your credit to achieve peak performance?

What if you were to create a purpose for your credit to protect your current income so that if something happened to your job – God forbid! – you wouldn’t have to worry about losing what you have?

When you think about the downs you’ve gone through in life:

  • Illness
  • Divorce
  • Death in your family
  • Job loss

…and the financial stress it has caused:

  • Medical bills
  • Behind on important payments
  • Not being approved for what you need to live comfortably
  • Being without rainy day money when your car breaks down
  • Not having the money for down payments
  • Having to cancel (or not being able to plan) trips

Are you motivated by the techniques you’re currently using and your credit’s future?

Is your credit going to be anything more than a liability that sucks money out of you, only to be used on emergencies, gas and lunch for the rest of your life?

What if you could create goals to protect your credit so that obtaining what you want to be approved for is a natural part of what you are building toward?

You can do it! 

Credit - The Gym Membership of Finances

Creating goals around your credit will give you a better life.

The greater goals you set to use credit as an asset instead of a liability – something that pays you money instead of taking money away from you – will sustain you and your generations for the rest of your life!

The key to your legacy lies within your credit standing.

5 Simple Steps To Creating Credit Goals:

  1. Get your copy of Better Than Credit Repair: The Handbook of Credit Mastery. This best-selling book will walk you through the process of creating goals for your credit that will give your credit purpose and will give you daily motivation to achieve an amazing end result.
  2. Write down your major goals and minor goals in the present tense. When you state your goals as if you have already achieved them, they will rush to become true for you.
    • e.g. Major Goal: I have three separate incomes that I have financed, that pay themselves off without using money from my job, and that pay me too by using my credit as collateral.
    • Minor Goal: I have a new car.
  3. Create a date in the future for when you want to accomplish your goals by. Choosing a date will make your goal setting more concrete and it will be in the back of your mind with everything you do. Be sure to make your date realistic, based upon the time you need to raise your credit scores.
    • e.g. I have three separate incomes that I have financed, that pay themselves off without using money from my job, and that pay me too by using my credit as collateral. 3/15/2016
  4.  Put your goals in places around your home where you can see them every day. Tape them to your computer screen, your bathroom mirror, the dashboard of your car, inside the sun visor in your car – everywhere you know your eyes will look.
  5. Make your goals your burning desire and they will have no choice but to come true for you.

Follow these techniques and knowing that you will have your credit to support you and encourage good debt and assets will provide you the motivation to make your credit a valuable tool in your life instead of a liability.


If you are interested in starting the approval process off with raising your credit scores for free, I invite you to take my free, four-part, Dispute Letter Mastery Course.

In this course, you will learn how to update your personal information, dispute information that has errors, and delete negative information in order to raise your credit scores 50 – 75 points in only 45 – 60 days. A boost like this can really make a difference in your interest rates, and it is all free.


  1. This is possibly, no definitely, the best article I have ever read…And I am 100% serious.

    No one usually cares about those who are struggling or trying to get back on their feet.

    What I love about this post is the honesty. Its true…we need a reason to do things and often we do pass up great opportunities “when we don’t need them”

    When we do need them the great opportunities seem to disappear. The guidance you give here is invaluable and I wish to heck I’d seen this article a few years ago.

    This will help so many people, and the people that really deserve it!

    Thank you so much for this…and I took your advice (its not even financial in some ways…but on my door are 3 notes that outline what I need to achieve and do and overcome)

    Thank you again for a truly truly inspiring and honest post


    • Wow, Jason! Thank you for your kind words and compliments. I certainly try my best to deliver valuable content. I am glad you were able to get something so valuable from what I have written.

  2. Great article indeed. It engaged my attention with your testimony of your gym experience. It is so true, once we comprehend the importance of something, we are more vulnerable of taking action with that particular. I am inspired to get on top of my credit, not just because; but because there is ample reason to.

    Thanks for the time to share this post.God Bless!

    • Hello Terrance,

      Thank you for your candid comment. I appreciate it. I certainly hope that the information is useful and if you have any questions I do have a free consultation that I provide if you qualify. I will be happy to walk you through making your credit goals work for your lifestyle.

      Have a great day!


  3. Quite annoying pop-up asking for my email address without any declared purpose. I don’t know about others, but I don’t immediately give out my email to a website. I barely decided to stay on this page to see what there was.

    I would also like a link to the book that your recommend at the very beginning of your 5 steps. Please add that.


  4. Your comparison of your credit life to your fitness life was genius and very clever! Your “history” has many parallels to my own, and I really appreciated the encouraging tone of your article. We should never give up and should always focus on goal setting. Too many people don’t put enough emphasis on this practice in the financial arena, and this is as important as setting goals for your physical well being as well. Do you have any words of wisdom for people that live on a cash basis? What happens when they want to obtain their first home loan without a “credit” history?

    • Thank you for your comment, David. I do my best to relate credit principles to real life situations where I have had to use them. When you see how these principles are used, they make better sense. You are right! Setting goals for what you want your credit to do for you is very important.

      I meet a lot of people who rely solely on cash and who are afraid of using credit because of debt. I have an article I wrote called Good Debt vs. Bad Debt where I talk about how to tell the difference between debt that pays itself off without using your money while paying you an income at the same time, versus debt that is paid with your money and doesn’t provide any benefit to you financially. If all of the debt you acquire pays you and pays itself off, then you have no risk. Learning how to use other people’s money (OPM) to improve your life is an asset, not a burden. Once you die, all of your hard work to bring in cash to your family dies with you. It isn’t on-going and is only based upon the energy you used while you were alive. You can use other people’s money, otherwise known as credit, to establish streams of income that you wouldn’t have the cash on hand to have access to. This will allow you to create a legacy and have funds flowing in even if you are no longer there. Supporting your generations with a legacy is what the use of credit is about. Learning how to cultivate your good name and using it to give you access to another level in your finances greater than what you could do by yourself.

      If you don’t have a credit history and you want to purchase a home, the first thing you can do is get a secured credit card and establish a history of making on time payments. You can also get a secured personal loan and repeat that process. This will quickly boost your credit scores and give you a credit history that will allow you to finance your first home.

      I hope this was helpful!

  5. Good analogy to the gym. Very little is accomplished by individuals who don’t have goals. Think about it. If you don’t have goals, you will never fail. This is really a high motivator for those who do not like to be judged. However, when it comes to credit, there are so many small goals you can set and achieve on your way to the Big Goal. Also, like you said, you need that burning desire. Without it, your goals will mean little more than an exercise. Great article. Well done.

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