05/20/2011 12:04 pm ET | Updated May 25, 2011

Focusing on the Credit You Want

I recently had lunch with Keryl Pesce, author of Happy Bitch: The girlfriend's straight-up guide to losing the baggage and finding the fun, fabulous you inside. Pesce told me "there is a common denominator for anyone who feels stuck in life, whether it is excess weight, miserable relationships or money problems -- we spend too much time focused on what we don't want."

For those of you who have credit issues and can't stop thinking about the problems they are causing, maybe it's time to begin redirecting your focus to where you want your credit to be. Set a reasonable goal for yourself. Then put a plan together and begin to make some changes.

Wishful thinking for a windfall to save you might be nice, but -- bottom line -- it's your daily habits that got you where you are now. If you want to get someplace better, you've got to begin by doing things differently. For instance, if you've been paying accounts late and now your credit is damaged, make a commitment to always pay on time. If your cards have high balances, plan to pay a little more each month to begin bringing those balances down.

And quit beating yourself up! If you think you're alone in the world having made poor credit choices, think again. Look to the left, look to the right. I guarantee you, you've got company. Bad credit isn't your life story. Starting today, it's your past story.

Pesce says, "What do you want tomorrow's reality to be for you? Decide what you want. Keep thinking in terms of what you are reaching for, not getting away from. That one simple adjustment in your thinking can result in a world of difference."

Think about where you're headed and let your new story be how, with persistence and planning, you overcame bad credit and made it a thing of the past. It can be done and it starts with a decision today to take yourself to a better and happier tomorrow.

I would love to hear about your credit score goals & how you plan to achieve them!

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