Credit and Debt Archives - Page 3 of 10 - The Outlier Model

5 Tips to Improve Your Credit Score This Year

Chonce Maddox / June 21st, 2017 / 1 Comment

Today, my credit score is almost 800. I opened my first credit card during college and have always made my payments on time. Slowly, I’ve added more credit cards but I’ve always used them responsibly or opted not to use them at all. I also have student loans I’m paying back along with a small personal loan I’m paying on with my husband. That’s it. That is the entirety of...

Posted in: Credit and Debt Tagged with: credit card, credit score, credit tips

What is Everyone’s Starting Credit Score?

Chonce Maddox / March 29th, 2017 / No Comments

Have you ever thought about what everyone’s starting credit score was before they even started building credit? Unfortunately, I made a mistake at one of my first banks which negatively affected my credit so when I finally checked my score, it was low. I always thought about what my score was or could have been at the beginning? Does everyone start with 0? Do they give you a few points in good...

Posted in: Credit and Debt Tagged with: build credit, credit score, starting credit score

4 Things I’m NOT Giving Up to Become Debt Free

Chonce Maddox / January 25th, 2017 / 4 Comments

Last week, I shared 5 things I’m giving up in order to become debt free. This week, I think it’s only fair to share some of the things I’m not giving up while on my debt repayment journey. I only came up with 4 this time so many that mean I’m still better at making sacrifices to pay off my debt 🙂 Even though I really want to get out of debt, I don’t consider it a death...

Posted in: Credit and Debt Tagged with: debt, debt payoff, intentional living

5 Things I’m Giving Up to Become Debt Free

Chonce Maddox / January 18th, 2017 / 4 Comments

I know you’ve probably heard that getting out of debt requires some sacrifice. Getting out of debt will change your life so you have to be willing to make some changes during your journey in order to get there. I’ve made quite a few sacrifices over the past few years in order to get out of debt but I consider them minimal in the grand scheme of things and some of them are only temporary. Here...

Posted in: Credit and Debt Tagged with: cut expenses, debt free, debt payoff, pay off debt