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Risk Factor For Divorce: A Low Credit Score
One of the monumental tasks I had to face after my financially devastating divorce was repairing and improving my credit score. Not that it was a number any one would have been proud of before the divorce, but it did manage to occasionally qualify us for things we definitely couldn?t live without, like a 72? plasma television at 29% interest and a new hunting dog.
When you apply for credit and you are sitting there with your fingers crossed, hoping for a positive outcome, your credit score is not where it needs to be. I?m sure most folks probably realize this. What they may not be aware of however, is a low credit score is a huge risk factor for divorce.
In fact, it?s probably one of the more reliable predictors of divorce available and one that I use regularly in my family counseling practice.
Most are taken aback when I ask them for their credit score and thank it has something to do with their ability to pay for my services. When I explain to them that it is a consideration I must make in evaluating and developing an effective strategy to try and save their marriage, most just sit there scratching their head.
Here?s the thing about trying to help people. A lot of them will actually own up to the poor choices they have made throughout their marriage but will turn around and not tell the truth about their financial situation.
I would imagine this to be a pride thing, but financial difficulty is directly responsible for at least half of all failed marriages and I need to know where I stand in order to develop a plan to help these well meaning, financially strapped liars.
A credit report paints a pretty clear picture as to what is going on in a marriage and I can?t understand why other counselors do not use it. Oh yeah, most counselors think they know everything!
Credit reports do not lie and credit scores are accurate indicators of the overall health of a marriage?It?s a simple as that.
Yes, yes, yes there a lot of miserable rich folks out there with wonderful credit and a lousy marriage. I?m telling you that financial difficulty is responsible for half of all failed marriages, not the whole lot. It?s just one of the factors that I take into consideration.
Now, if I find that these good folks have a poor credit score, we immediately lay out a plan to improve upon it. NOT so they can get into further debt but so they can get a lower interest consolidation loan and began to eat things other than peanut butter and jelly sandwiches again.
I would urge anyone with a questionable credit score to do the same. Unfortunately, I can do little to increase a couple?s income other than waive my counseling fee?uhh, did I just say that out loud?
Good, I didn?t think so. Anyway, as I was saying, little can be done to increase a client?s income, but we can certainly get control of spending. The higher your credit score, the better interest rate you can get on consolidation loans and mortgage refinance, and thus a recognized decrease in spending is achieved and there?s more money for everyone.
My unorthodox methods of counseling, including asking for people?s credit scores, are what make me so successful as a marriage counselor.
Another unique aspect of my counseling is the fact that I base it on biblical truths and principles. The U.S. government frowns on the religion this country was founded upon and would never support such a concept, so I?m seen as a bit of a snake oil salesman, but lucky for me, the government cannot regulate me and I can actually help people unlike other licensed therapist with their arms tied behind their backs by bureaucratic red tap.
If you are in a troubled marriage and want to do something that can have a positive and lasting impact, improve your credit score. You can download my 66 page credit repair book absolutely free at my website. This is the same book countless couples, as well as myself, used to improve their credit score and their marriages.
Get your complimentary copy of Myla Madson?s Complete Guide to Improving Your Credit Score at http://www.MylaMadson.com/creditscore
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What Are The Effects Of Divorce In The Personality Of Babies?
No studies can really tell us how your particular baby or toddler will react to your divorce; each baby is unique. Babies are born with their basic personality, namely, his or her own particular way of eating, sleeping and eliminating. These basic qualities determine how this little individual will react to stressful situations, from infancy all the way to adulthood. Basically, the baby at birth has all the qualities for the personality that will come later.
How Women Should Protect Themselves Financially Regarding Divorce
Women who believe a divorce is a possibility or who think that their husband will be asking about getting a divorce at some point should put their emotions aside and plan "just in case" their intuition is correct that a divorce may be coming in the near future. If women who believe that the "divorce discussion" may be lurking, they should make it a point to look for solid signs that their husband will indeed ask for a divorce.
Find Out If Uncontested Divorce Is The Best Option For You
Nobody goes into a marriage looking at the reality of divorce a few years down the road, but it happens with many marriages these days. The first thing you need to do is make sure that both you and your spouse have agreed that divorce is your best option. In some states, divorce law mandates that both of you attend marital counseling sessions before divorce proceedings can start, so be aware of the requirements in your state.
The Divorce Blame Game
We all begin the divorce process convinced that everything is the other spouse?s fault. All of the pain is a direct result of their bad behavior. Your ex is acting in complete disregard for your feelings. If your ex would only behave the divorce would go more smoothly. That you might have a part in this mess doesn?t even occur to you. No, your spouse is to blame. He is one who cheated, lied, and betrayed you. How could you be responsible?
Divorce Lawyer Says Families Do Not Belong In The Court Of Law
Fresno divorce attorney Erin Rhames-Childs says that the court of law is no place to divorce. The courts are overworked and understaffed - leading to poor legal decisions that are not in the best interests of those involved. Collaborative divorce is a way for couples to divorce while maintaining their dignity, making decisions that truly are in the best interests of their children and preserving their finances. Collaborative divorce is quicker, cheaper, and better for maintaining functional relationships for after the divorce is over.
New Grief Related Study Reveals Many People Grieving a Death or Divorce are Wrongly Diagnosed as Depressed
Grief Recovery Institute Announces Support Of Results Published In Archives Of General Psychiatry and Washington Post Article Will Free Grieving People From Mind Altering Drugs
Helping Your Children Through Your Divorce
Dealing with a divorce is difficult for everyone, including the kids. It is a life altering event that can take a toll emotionally and physically . This is especially true for children. Children need additional support during this tough time. They need to know and understand that it is not their fault and that both parents still love them very much.
Man?s Post Divorce Issues
When a man asks for divorce, we blame him for not valuing a life long commitment. If a woman asks for divorce, in seven out of ten cases they do, we assume that the man must have been responsible for forcing her into the situation.
Divorce Support and Grief Support Programs Set to Begin at James River Assembly
James River Assembly of God announces the starting date of the Fall session of DivorceCare and GriefShare programs.
Divorce Online Sevice - Why Should We Lose Money And Time Applying For Divorce?
Attempts to use the worldwide Web as an effective means of struggle against bureaucracy are undertaken constantly and sometimes successfully. Today it is possible to fill in a tax declaration, apply for bankruptcy or to receive a legal consultation.
What Parents Should Do For Children To Do Their Best After Divorce?
Why do some children still do best after divorce and separation? Is there divorce parenting approaches that really work? Read and learn the divorce parenting approaches that really work.Going through the process of divorce is a challenging life transition for both parents and children.
New Year Ushers In a Decision to Divorce or Break Up for Many Couples
The start of a new year is supposed to be a time of New Year's resolutions, rejuvenation and a fresh start. For many couples, sadly enough it doesn't turn out that way.
According to the research of Relationship Coaches Susie and Otto Collins (authors of "Should You Stay or Should You Go?"), more decisions to divorce and leave a relationship are made shortly after the New Year's holiday than any other time of the year.
Baldwin Basinger Divorce A Legal System Tragedy
Divorce specialist attorney Ed Sherman has seen cases like the highly acrimonious Alec Baldwin-Kim Basinger custody battle many times over in his long career.
Only 16 Percent of Bereaved Parents Divorce, New Survey Reveals
For decades, the media, many professionals, and even persons within the bereavement community have written that the death of a child virtually assures that the parents will divorce. This survey, conducted by The Compassionate Friends, the nation's largest self-help bereavement organization, finds that only 16 percent of bereaved parents divorce, shattering the age-old myth that 70-90 percent of bereaved parents will divorce.
Seven Secrets to a Successful Divorce: What Every Woman Needs to Know
The new step-by-step guide by Christina Rowe was written for other women who are contemplating or undergoing the divorce process. Every aspect of divorce, from the critical preparation stage through the courtroom and beyond, is covered in detail.
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