Credit Scoring Expert speaks candidly about his personal growth and asks respected writers to share content to help others improve their life.

I always get asked, what is the key to Raising My Credit Score Quickly?    I understand why the “quickly” is such an important part of the question.  See – getting denied credit is embarrassing!  Read my story….

Two weeks ago I was in Macy’s buying my wife a Christmas Gift, I was in line, and there were six people behind me.  The total bill was over $700, and if I applied for a Macy’s Credit Card, I could save $140.  I thought to myself…. “I have perfect credit, and I can save $140 for applying for a Macy’s Credit Card, let’s do it!”

I filled out the application, and I could practically feel the breath of the people behind me, in fact, I could hear the voices in their mind saying… “What is he applying for a Macy’s credit card for?  We are too busy!”  Actually, that is probably what I would have been saying as well.

After waiting for the instant approval, the lady told me, “You have not been instantly approved for our Macy’s Credit Card; you need to wait a few minutes, please have a seat.”

“What!”  I thought to myself.  “How can this be?”  I felt like telling them, “I’ve written a book on credit, I have perfect credit.”  In other words, “Accept me!”  As I was sitting next to the cash register hoping and praying that everything was going to turn out for the best, I could barely face the people that were behind me.  Under their breath I could picture them saying things like, “You deserve to be denied this credit card for holding us up!”

Let me tell you, it was the most stressful and embarrassing five minutes of my 2009!  Now I know why people ask me, what is the key to Raising Your Credit Score Quickly?”  That is what I’ll help you do this year, along with a few other things… let’s make 2010 our best year ever.  If you have a story like this, almost getting denied credit, or getting denied credit?  Share it with me below, we can bond together over our frustrations.