How Hard Are You "Working On Your Credit"?

I hear a LOT of people tell me they are "working on their credit" but that can mean everything from: I kind of care now and will try to avoid collections to paying off "bad" debt and righting the wrongs.  This is a re-record of the original "How hard are you willing to work" since it was my most listened to episode and my 2nd episode I ever recorded- and I sounded terrified and didn't edit out the mistakes and big blank moments. Oh well! So I re-recorded the same info and hopefully it's easier to listen to! Listen it to see what Credit Kristi recommends to actually work hard to heal your credit. [email protected]