This is the Ramsey Call of the Day, part of the Ramsey Network.

Let's go to West Palm Beach, Florida, where Heather joins us.

Heather, how can we help?

Hey, how are you?

We are living the dream, Heather.

What's going on?

I love it.

So I got myself into a bit of a pickle years back.

I did a debt reduction program.

Oh, cool.

It sounds like a great idea.

You'll pay off part of my credit cards, not knowing they were going to kill my credit

and what was

going to go along with that.

So I've been working with a program to deal with the creditors and all of it, and I'm just not

sure where to go from here.

I'm like, I guess I'll leave it at that.

Well, you being in a pickle, Heather, there's a way out of this. And the key is to stop focusing on the credit score. So let me ask you this. Why do

you need your credit score to be higher? I'd like to buy a house, buy property, and I don't know. I'm looking to get married, and I don't know that it will influence anything in our relationship moving forward.

Hold on. You're saying your future, do you have a, do you have a fiancé, a boyfriend?

I do. Okay. And you're saying, hey, this guy's not going to marry me if I have a low credit score.

No, I'm not saying that at all. I want to take personal responsibility for it, and I don't want

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