Do you know your score with your bill IQ? I did mine and my result is quite impressive. It's 95% A. I am confident that we are doing well with our bills because I make sure that I don't go overboard in using my credit cards. Me and my husband already had a talk about how we are going to maintain our good standing when it comes to our credit. He has been in credit difficulty before and he doesn't want to go through it again. He underwent
Credit counseling when he has a problem with his credit and he said it really helped him a lot.
I got my BillsIQ score by doing the test at bills.com. It does help in figuring out what could affect our standing and it will tell you the different issues on how you are going to address when you found out about these issues. They also have services that will enable you to repair or fix your credit such as debt consolidation,
Credit counseling, and other credit help. If you will follow their suggestion, you will be able to improve your credit score and become financially fit again. So if you want to know your score and you need credit help just visit bill.com.
I'm just doing some blog-surfing and I thought I'd pop in and see what your journal is all about. 
I like your choice of layout and color; text is a bit small, but otherwise, your journal is great. 
I've added you to my blog list for the next update; have a great day! 
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