Jeremy Herndon

I sure seem to know a lot of people who are having trouble with their credit ratings!  Credit repair is rapidly becoming a serious issue for many of us.  That’s not surprising because I know a lot of people who have lost their jobs and are struggling to pay their mortgages, which are the biggest credit rating factor in the equation.

In many cases, in order to be able to take advantage of the lower mortgage interest rates, some of us are going to need to do some research on how to repair credit ratings.  So there is an interest and a need for people to learn how they can fix credit ratings from bad to good.

Most people have lifestyles that “push the envelope” as far as living within their means, and when something bad happens, like an accident, or job loss, good credit turns into bad credit in a very short period of time.  This can effect people in many ways, including their ability to find a new job if they need one.

My cousin recently moved to the DC Metropolitan area.  He sent me an email detailing his adventure on the commute last Friday afternoon.  It all started when he accidentally left his cell phone at home.  Well, it only got worse from there.  He went to work, the day was fine, but when he left for home, trouble started.  He had just got onto I-66 when he blew a tire.  So, he pulled off to the shoulder.  Well, he is young and never paid attention when his father showed him how to change a tire, so he really didn’t know what to do.

And, he had no cell phone to call AAA for help.  So he put on his hazard lights and waited for someone to stop and offer help, or at least a police car to stop to investigate.  He waited over an hour before someone pulled over to check him out.  He was smart enough to turn off the engine, so as not to waste fuel, but he listened to the radio and kept his hazard lights flashing (and with his car, if the key is turned on the headlights are on.  I think you can guess where this is going.)

Finally a nice man stopped to see if he needed help.  He didn’t change the tire, but he coached my cousin through it so my cousin changed the tire himself.  As the job was nearing completion, a DOT maintenance vehicle pulled up to check him out.  When the tire was changed, my cousin thanked the guy who stopped first for his help, and the good Samaritan left.  My cousin hopped back in the car to start it up, only to find that the battery was now dead!

Thankfully the DOT vehicle was still there, and that man gave my cousin a jump start so he could finish his journey home.  He got home more than two hours late, but safe and sound.  Hopefully he won’t forget his cell phone again!