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Are You Afraid of The Dark? How to Face Your Credit Fear

Throughout our lives, we all come across situations or things that we fear. As a child, I can remember being afraid of the dark and the monsters under the bed. I am positive many of you can remember lying still at night and not wanting to move or a make a noise, but suddenly you get the courage to get up and run for the light. Do you remember the exhilarating feeling that came over you when you realized there was no reason to be afraid of the dark? Magically, there weren’t any monsters at all.

Each day as I sit in my cubicle and listen to our credit analysts help our customers face the same kind of fears only this time it is adult situations. Many of our credit repair clients start out “Afraid of the Dark.”

1. Shining the Light on Your Fear

The first step in overcoming your fear of your financial situation, you must be willing to shine the light in all the dark corners of their situation and face it head on. A significant amount of our clients are afraid to look at their credit reports; they fear their credit scores are so low or what the report might have on it. Most of the time once they have faced that fear head on and build up the courage to flip that light on they get that same exhilarating feeling they did as a kid.

2. Replace the Negative Words and Thoughts.

Recently a friend of mine gave me a copy of the hit book, “The Secret” by Rhonda Bryne. This book goes into great detail on the “law of attraction.” and how our thoughts and words affect our daily life. How many times as a child do you remember hearing “Can’t never did anything?”As much as we hated hearing that phrase, we all know that if we don’t believe in ourselves, we will never achieve it. Same thing goes with the words like fear, or it is going to take forever for credit repair. Each day wake up and decide that you will succeed, you will achieve your ultimate goal. For example, remove the phrase ‘ I am so worried my credit score will take forever to improve’ replace that phrase ‘ I have faith my score will improve enough to qualify for a home.’

3. Setting small goals to help eliminate fear

The definition of Fear is a vital response to physical and emotional danger. Fear is often the cause of our mind wandering or creating a sense of fear for the unknown. The best way to overcome fear is to conquer it. One key factor to overcoming our fear with credit issues is to set small obtainable goals. If you set small goals that you can achieve you will quickly start to see the results. Exposing your fears will be a key to succeeding.


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