Are you ready for 2016? Have you made a resolution and do you have a detailed plan with a plan of action? Crystal J gives you tips on how to prepare for the new year by discussing how to act upon the most common resolutions, which is to get out of debt and save more money. Crystal goes over ways to build your credit from scratch along with repairing your credit in detailed  steps. If you follow these tips, you will see your credit score rise to the top!