In preparation for CHANGE in 2011, we must take a good look at our entire financial picture, including credit. Your credit report is a reflection of you. It shows your tendancies, habits, discipline and character. Many have gone through some tough situations over the last few years that resulted in decreased credit scores, late payments, repos and foreclosures. Things happen. Now, it's time to seek the wisdom of God and create a plan to change your credit character because that's really not you.

Join me as we discuss what goes into calculating your credit scores, what effects your scores and the process for disputing incorrect items and re-establishing good credit.