What's Your @Payoff #payoffmindset #whatsyourpayoff #Pmedia #ad

This post is part of a social shopper marketing insight campaign with Pollinate Media Group® and Payoff, but all my opinions are my own. #pmedia #payoffmindset #whatsyourpayoff http://my-disclosur.es/OBsstV 

I think every young person on their own goes through that time of life where they think money just seems to come from nowhere. As a teenager, I never had a job so I really had no concept of money. And then when I got out into the world when I got married, I still didn't have a job. So it was only natural for me when I found out I was pregnant, that I went and opened every single credit card I could to buy baby things. No one had ever really explained the fact that credit cards will stick with you for years. And that it's not just free money. You'll be paying back more than what you borrowed. 

So after maxing out every single credit card to buy baby items, I finally started getting the bills. And that's when I realized I couldn't pay them. Fast forward eight years later and some of these are still on my credit. That's just how much I spent in nine little months.

If this sounds familiar, you aren't alone. Lot's of people are in way over their heads with credit card debt. And sometimes with the phone calls and emails, you don't really know where to turn. But I want to suggest to you a great way to help yourself get back up on your feet. It's called Payoff.com and they help you get your life back.

Using Payoff.com is very simple too. All you need to do is fill out the quick online application. Also, filling it out doesn't affect your credit score at all. Once your application is complete, it will tell you your custom payoff rate. Also if you apply and don’t get approved for a loan, Payoff can still help. They have a product called “Lift” that is designed as a credit and money education platform to help you get control over simple areas of your financial life.

Also Payoff.com is NOT a loan company. Payoff is in the business of empowering people to become more financially healthy and live their dreams.

So within a few minutes I filled out my application and found out I don't fit their criteria. Here are some of the things it told me about how they pick who can receive help via Payoff.com:

  • They look for a credit history that is a few years old
  • They look to make sure you have a few healthy accounts to determine credit worthiness
  • To be approved, generally you need a credit score of at least 660 and above.
So then I was told to try their Lift program which I mentioned above. Since that seems to fit for me, I will be looking into it. 

So what about you? Do you have credit card debt that you would like to break free from? A very easy way to start is by cutting back on little luxuries like eating out, getting your hair done, or even the cable bill. All of these things can eventually give you more money in your pocket and let you start paying off your debt even faster. And buy doing these little life changes alongside of Payoff.com, you can be on the fast track to credit card freedom quicker than you think. Remember, Payoff is a company in the YOU business - get rid of your credit card balances so you can move forward in your life and achieve your dreams.