Anyone have any experience or ideas to fix my own credit?

[R8RFAN]

Originally Posted by Dsnyfn

Interesting that you lecture here.

It's good to see you have taken a better direction than your family members, which means that you learned from their mistakes. It wasn't like you woke up at age 10 with the idea.

But, and this is the only problem I have with Dave Ramsey, sitting on a high horse and lecturing people does nothing to change them. These days we as a society have decided that the only way to make a point is to embarass people instead of encouraging them. In essence, it makes us feel better to belittle the person and show them our superior position, than it does to help them with encouragement and wisdom. I agree that sometimes "tough love" is needed, but it should be the exception not the rule.

Sorry man, if you are too easy with people on this subject they go out an make a decision that hurts them possibly for the rest of their life...

I tell it like it is, a man can take the advice or he can leave it, as I said, a man being poor does nothing to my wallet nor am I charging for the opinion...
The advice is free, take it or leave it.