Creating financial safety nets for those rainy days is a vital component of a good credit restoration plan. Remember, having good credit goes beyond the score. Your credit score is incidental to good credit behavior- it isn’t your credit in and of itself.

Every good plan should have a savings mechanism that covers emergencies as well as long-term financial growth, proper insurance coverage, and a healthy dose of credit for leverage.

Baby step your way in, starting with plans offered through your employer. We recommend contributing at least as much as they will match. Adjust to the change in take-home pay, and then branch out to self-directed options. One day when you least expect it, you will be glad you did.

Make the Choice. Make the Change. Delta.