Thanks for the advice on credit repair on this excellent site. Things i would advice people would be to give up this mentality they will buy at this point and pay later. Being a society most people tend to do this for many things. This includes getaways, furniture, along with items we really want to have. However, you should separate one's wants from all the needs. If you are working to improve your credit score you really have to make some trade-offs. For example you may shop online to save money or you can visit second hand shops instead of high-priced department stores with regard to clothing.