It is the beginning of the year and most people have new year resolution and are hopeful about making some positive progress in different areas of their lives.This episode is a quick reminder of things you should be doing or not doing that will impact your credit and if you are like me and have learned the hard way and have done some of the mistakes, look out for an upcoming episode about rebuilding it from scratch, I got you my friends.2019, we are working on our credit and saving some bucks for long term wins.