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Please create a strong thesis statement to start of the personal essay and end it with a stong conclusion that recaps the entire essay.

In this written paper I would like to talk about how personal credit is important to myself. Attatched to the directions listed below, I will upload a rough draft of what I’ve wrritten thus far and would like for you to revise and add more details from a narrative prospective. This discriptive personal essay must be at least a 1000 words or more not includidng the tittle page. Please creat a strong thesis statment to start of the personal essay and end it with a stong conclusion that recaps the entire essay.

ENG121: English Composition I (AXC1435O)

Instructor: Matthew Bamberg

Your essay must include:

A clear thesis statement in the introductory paragraph.
Specific details about the person, place, object, or event so that readers can visualize the subject and/or feel present in the story (i.e., your essay should be specific and appeal to the five senses).
A conclusion paragraph.

As you are writing this essay, please pay attention to the areas that you struggled with in the Grammar Assessment and Practice Essay. Please also incorporate your instructor’s feedback on your journal assignments, your Week Three draft, and from throughout this course.

When submitting your Personal Essay, make sure to:

Proofread your work for errors in grammar, mechanics, and style.
Check that the essay is at least 1000 words.
Include a title page with the following:
Title of paper
Student’s name
Course name and number
Instructor’s name
Date submitted
Begin the essay with an introductory paragraph that has a succinct thesis statement.
Address the topic of the paper with critical thought.
End with a conclusion that reaffirms your thesis.
Format the essay according to APA style as outlined in the Ashford Writing Center.
Save the document as a Microsoft Word or compatible .doc or .docx file.
Use a naming convention that includes your last name, week number, and the assignment number (e.g., smith_w5_a1.doc).

Personal credit is something that is very important to everyone throughout his or her lives including myself. Personal credit is a factor that determines, what type of person you are, if your responsible or not, what’s your debt to income ratio. These days, depending on your credit history, you may be perceived as more or less appealing as a job candidate. About two years ago I faced a huge challenge in my life with personal credit. After my triumph with personal credit, I’ve educated myself allot on what to do and not to do with personal credit.

On May 1, 2012, I woke up one day and realized that I could no longer become successful in life without having good personal credit. Personal credit was a determining factor with almost everything; from applying for new apartments, career moves and well need non-cash purchases. My credit scores at the time were in the low 400s, I had tax liens, judgments and several collections. All of this came from poor decisions that I’ve made upon my life. I felt like there was no way out of this disastrous situation. Always hearing the words, “Denied,” from banks, credit companies and apartments became overwhelming. I felt so powerless!

Therefore I decided to meet with a financial advisor to assist me with many different options that could assist me with my condition. After viewing all of my bills and credit profile, she advised me to file Chapter 7 Bankruptcy. I was about $75,000 in debt. May 05, 2012, was the day that she prepared all of my documents to file at the courts for bankruptcy. Along with that I had to take an online credit class that teaches you how to manage credit before filing. After completing the online class and obtaining the certificate of completion, I went down to the Superior court on May 11, 2012 to file my documents. The court clerk viewed all my completed documents and gave me a court date for June 11, 2012. When this day arrived, I became so nervous. I didn’t know what to expect at the hearing! I wasn’t certain if any creditors would show up or not. But just with my luck, no one showed up. The judge swore me in as he asked me a few questions along with viewing my current filed taxes at the time. On August 12, 2012, my bankruptcy was discharged. I became extremely excited about my financial freedom and was able to start all over again with credit.

After 2 years of rebuilding my credit history, all of my credit scores are above a 715. Since then, I’ve purchased a new 20014-jeep Sahara with a very low interest rate, a few low interest credit cards that I’ve never been late on. I was able to move into a new apartment with no issues and it felt so amazing. Now with having a new financial freedom, I am making better decisions about everything. Having a good credit score can save you enormous amount of money.

Its amazing to know the world is based upon personal credit history. Credit history is what determines upon how we as a person may be viewed to the banks, new careers and other major factors. We must remember to use or personal credit wisely and make good decisions about or purchases. After having many trials and tribulations with personal credit, I’ve learned to think of my credit as my friend. My personal credit is treated with the up most respect.

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