Second Chances with Credit Repair

Aaron Bouren
5 min readSep 23, 2020

You just turned 18 and started receiving credit card offers in the mail one after another. You are excited and decide to apply to a few. To your surprise you get approved to all of them. You feel like a VIP. Your buying potential seems unlimited, and the temptation to spend is strong. Then, you begin to rationalize your spending. You think “It’s only $20, $50 or $100.” Or you say, “But I really NEED it.” You convince yourself you will pay it off when you get your next paycheck… Before you know it all of those credit card swipes are adding up each month. Along with those high interest rates (that you didn’t pay attention to in the beginning). They have you feeling like you are never going to get your cards paid off.

Fast forward, you fall into a vicious cycle of paying a little money here a little money there. You start to realize the growing interest has you falling behind on your payments, maxing out your cards and feeling defeated and wanting to give up. Now you are in debt and have become a financial risk in the eyes of your creditors. Instead of being approved for credit like you were before, you face denial after denial, which can be humiliating. But when you’re faced with this situation, what can you do? Who do you turn to? It may feel like there’s no way of getting what you need. Who would have thought credit impacts so many aspects of our lives — from being able to get a credit card to buying a home, to how high insurance premiums are going to be or even if you get hired for a job. Looking back all those shiny (literally glittery and golden) credit card offers you received in the mail years ago didn’t turn out to be what you thought they would be.

Credit can be difficult — it’s easy to make mistakes. Especially when you are just starting out and haven’t been taught basic credit education. Keeping up your credit score is a lifelong endeavor. It’s best to learn when your young before mistakes are made and your left digging yourself out of debt and trying to become creditworthy.

If you have been in this situation or are currently in the situation you are not alone. According to a 2019 study conducted by The Ascent, more than half of Americans reported they have maxed out their credit cards. In fact, a total of 52% of Americans reported having hit their card limit, including 50.3% of millennials, 58.8% of Gen Xers, and 39.3% of baby boomers.” America started 2019 with over $1 trillion in total credit card debt. As posted in The Washington Post, “More than 189 million Americans have credit cards. The average credit card holder has at least four cards. On average, each household with a credit card carries $8,398 in credit card debt. Total U.S. consumer debt is at $13.86 trillion.” That is a lot of debt!

Impact of Bad Credit

Bad credit can have serious consequences and implications on your life. Good credit vs bad credit can be the difference between paying or saving thousands of dollars in interest. It can dictate what type of roof you have over your head, what type of car you drive. It can get in the way of the lifestyle you want to live or deserve to have.

Even when you are drowning in debt there is STILL hope. If you are dedicated to taking the time and learning the steps to overcome debt and bad credit YOU CAN DO IT! Sometimes it may take some soul searching or continuous denials for you to take the first step. Luckily, the right inspiration can lead to starting the credit repair journey. Good credit can lead to a more stable, secure future — and that’s something a lot of us want to give our children. But it can be easy to lose hope if you’re drowning in debt, or if you don’t have the credit score needed to qualify for a place to live.

Where Do You Start?

Invest in yourself. Start now by laying that financial foundation or build a new foundation. You can do this by educating yourself on topics like credit, finances and budgeting. To start we recommend ordering your credit report so you can see exactly why you have been denied or were approved at a larger interest rate than you expected. By starting with your current condition of your credit report you will see first hand what could be holding you back and what you need to work on.

How To We Do It?

Lifeguard Credit Solutions can help you get a copy of an up to date credit report in which we will analyze with you. Think of it this way, we do an MRI of your credit report. Looking at every single piece that goes into your score. We flag the accounts that are negative while you look for inaccuracies and together we make a plan on how we will execute. Next, we will challenge those negative accounts on your behalf that are unfair and inaccurate. Between the credit education we provide you and the disputing process we strive for positive results.

Lifeguard Credit Solutions is one of the leading credit repair organizations who specialize in removing inaccurate, incomplete and miscellaneous information off of thousands of credit reports each year. We use aggressive strategies and our knowledge of the credit industry to offer you maximum results. 79% of all credit reports contain mistakes, we help increase your credit score by removing those inaccuracies. Our friendly staff will always treat you with the utmost respect and we guarantee transparency, honesty and dependability. We also like to remind all of our clients that anything we do to help improve your credit, you can also do for yourself. The benefit of hiring us is we can help you to achieve optimum results in a fraction of the time without making costly errors. Please note that the credit repair process for each person is different. Everyone’s circumstances vary from person to person. We can not guarantee specific results but we can guarantee we will use the power of the law to dispute on your behalf to generate results. Everyone deserves a second chance!

Originally published at on September 23, 2020.



Aaron Bouren

Aaron Bouren, CEO of Bouren Ventures, is an entrepreneur, public speaker, sales trainer, and marketing expert. Learn more at