I'll join in. I've had a great year so far. Started November 2014 with only $3,600 in credit, currently I have $37,000 in available credit. The down side is that I purchased a home and was forced to switch jobs. With a pay cut I have depended on the new credit available to me to make our home a home and continue in the same life style thinking I will make up for it.
My goal is to be back under 20%UTIL by year end with second income this should be easily achievable.
| # | Issuer | Credit | Balance | Avail. Credit | Utilization | Current APR | |
| Total: | $37,300.00 | $19,891.00 | $17,409.00 | 53.33% | |||
| Amex EDC | $5,000.00 | $1,793.00 | $3,207.00 | 35.86% | 0.00% | 16.99% 06/16 | |
| BoA Signature | $5,000.00 | $4,472.00 | $528.00 | 89.44% | 16.24% | ||
| BoA Platinum | $5,500.00 | $4,575.00 | $925.00 | 83.18% | 0.00% | 17.99% 11/16 | |
| Barclay | $2,000.00 | $1,743.00 | $257.00 | 87.15% | 0.00% | 26.99% 06/16 | |
| Cap One | $7,400.00 | $982.00 | $6,418.00 | 13.27% | 22.90% | ||
| Chase Slate | $5,800.00 | $3,070.00 | $2,730.00 | 52.93% | 0.00% | 22.99% 08/16 | |
| Chase Amazon | $500.00 | $0.00 | $500.00 | 0.00% | 22.24% | ||
| Discover | $5,400.00 | $2,762.00 | $2,638.00 | 51.15% | 22.99% | ||
| Paypal | $500.00 | $394.00 | $106.00 | 78.80% | 0.00% | 19.99% 10/15 | |
| Target | $200.00 | $100.00 | $100.00 | 50.00% | 22.90% |
Hi Everyone 
Not sure where to begin or end but here goes......It's so frustrating an embarrassing being where I am right now
I'm a 48 year old with federal and private student loans, most are in deferment and the private is more than 90 days past due. I've recently returned to work after a little over a year layoff ,(which that company decided to close) , and after a huge surgery in june. I haven't paid much attention to my credit score or my growing credit card debt. I was paying only the necessary living expenses with my CC's and my score has went from 691 before the layoff and surgery to now a 496😭😭😭
My jeep and motorcycle loans are both 60 days past due, my credit cards are maxed out and I have two doctor bills that just hit collections. Thank god I found a decent paying job at $18 hr but I'm so behind, I don't know how to begin to catch up. I'm in my second week on the job and it's going well.... The only thing that's not behind is my mortgage but I was late a few times.....
I just dont know where the heck to start!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Orchard Bank (Capital One) $403.98 $400
Grow Financial CU $497.74 $500
CreditOne Bank $1115.14 $1100
Barclay $1348.80 $1400 (They just closed because of Credit Score)
Quicksilver $1499.72 $1500
Capital One $1996.56 $2000
NFCU Rewards $7567.39 $7500
NavChek $14897.05 $15000
Lowes $356.14 $380 (Was decreased from $1000 because of score)
Kanes $557.79 $1000
Amazon $659.08 $700
Walmart $836.99 $880 (Was decreased twice from $1500 Because score too low)
Paypal $892.96 $900
Fingerhut $984.56 $1500
Rooms2Go $4070.00 $8000
I was doing so well after my 2010 Bankruptcy...... Then the layoff!!!!! Uuuuugggghhhhhh
@mszuki1000 wrote:Hi Everyone
I'm a 48 year old with federal and private student loans, most are in deferment and the private is more than 90 days past due. I've recently returned to work after a little over a year layoff ,(which that company decided to close) , and after a huge surgery in june. I haven't paid much attention to my credit score or my growing credit card debt. I was paying only the necessary living expenses with my CC's and my score has went from 691 before the layoff and surgery to now a 496😭😭😭
My jeep and motorcycle loans are both 60 days past due, my credit cards are maxed out and I have two doctor bills that just hit collections. Thank god I found a decent paying job at $18 hr but I'm so behind, I don't know how to begin to catch up. I'm in my second week on the job and it's going well.... The only thing that's not behind is my mortgage but I was late a few times.....
I just dont know where the heck to start!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Orchard Bank (Capital One) $403.98 $400
Grow Financial CU $497.74 $500
CreditOne Bank $1115.14 $1100
Barclay $1348.80 $1400 (They just closed because of Credit Score)
Quicksilver $1499.72 $1500
Capital One $1996.56 $2000
NFCU Rewards $7567.39 $7500
NavChek $14897.05 $15000
Lowes $356.14 $380 (Was decreased from $1000 because of score)
Kanes $557.79 $1000
Amazon $659.08 $700
Walmart $836.99 $880 (Was decreased twice from $1500 Because score too low)
Paypal $892.96 $900
Fingerhut $984.56 $1500
Rooms2Go $4070.00 $8000
I was doing so well after my 2010 Bankruptcy...... Then the layoff!!!!! Uuuuugggghhhhhh
The good thing about credit is even if you hit a few speed bumps along the way it can be repaired
Keep up the good work and you'll be rewarded
@myjourney wrote:
@mszuki1000 wrote:Hi Everyone
I'm a 48 year old with federal and private student loans, most are in deferment and the private is more than 90 days past due. I've recently returned to work after a little over a year layoff ,(which that company decided to close) , and after a huge surgery in june. I haven't paid much attention to my credit score or my growing credit card debt. I was paying only the necessary living expenses with my CC's and my score has went from 691 before the layoff and surgery to now a 496😭😭😭
My jeep and motorcycle loans are both 60 days past due, my credit cards are maxed out and I have two doctor bills that just hit collections. Thank god I found a decent paying job at $18 hr but I'm so behind, I don't know how to begin to catch up. I'm in my second week on the job and it's going well.... The only thing that's not behind is my mortgage but I was late a few times.....
I just dont know where the heck to start!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Orchard Bank (Capital One) $403.98 $400
Grow Financial CU $497.74 $500
CreditOne Bank $1115.14 $1100
Barclay $1348.80 $1400 (They just closed because of Credit Score)
Quicksilver $1499.72 $1500
Capital One $1996.56 $2000
NFCU Rewards $7567.39 $7500
NavChek $14897.05 $15000
Lowes $356.14 $380 (Was decreased from $1000 because of score)
Kanes $557.79 $1000
Amazon $659.08 $700
Walmart $836.99 $880 (Was decreased twice from $1500 Because score too low)
Paypal $892.96 $900
Fingerhut $984.56 $1500
Rooms2Go $4070.00 $8000
I was doing so well after my 2010 Bankruptcy...... Then the layoff!!!!! Uuuuugggghhhhhh
The good thing about credit is even if you hit a few speed bumps along the way it can be repaired
Keep up the good work and you'll be rewarded
Please don't stress too much about it. Your health is much more important and your kept your home. Now with 18 hour it will be hard. I say start with the little ones first and work your way up. lowes then kanes and etc.... Your score will rebound from the utilization when you can paydown. you had bk so that is not an option just do what you can do.
@mszuki1000 wrote:Hi Everyone
I'm a 48 year old with federal and private student loans, most are in deferment and the private is more than 90 days past due. I've recently returned to work after a little over a year layoff ,(which that company decided to close) , and after a huge surgery in june. I haven't paid much attention to my credit score or my growing credit card debt. I was paying only the necessary living expenses with my CC's and my score has went from 691 before the layoff and surgery to now a 496😭😭😭
My jeep and motorcycle loans are both 60 days past due, my credit cards are maxed out and I have two doctor bills that just hit collections. Thank god I found a decent paying job at $18 hr but I'm so behind, I don't know how to begin to catch up. I'm in my second week on the job and it's going well.... The only thing that's not behind is my mortgage but I was late a few times.....
I just dont know where the heck to start!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Orchard Bank (Capital One) $403.98 $400
Grow Financial CU $497.74 $500
CreditOne Bank $1115.14 $1100
Barclay $1348.80 $1400 (They just closed because of Credit Score)
Quicksilver $1499.72 $1500
Capital One $1996.56 $2000
NFCU Rewards $7567.39 $7500
NavChek $14897.05 $15000
Lowes $356.14 $380 (Was decreased from $1000 because of score)
Kanes $557.79 $1000
Amazon $659.08 $700
Walmart $836.99 $880 (Was decreased twice from $1500 Because score too low)
Paypal $892.96 $900
Fingerhut $984.56 $1500
Rooms2Go $4070.00 $8000
I was doing so well after my 2010 Bankruptcy...... Then the layoff!!!!! Uuuuugggghhhhhh
Don't be embarrassed because I'm sure some of us have fell on hard times as well. I'm the first to admit I've been exactly where you're at. Like taxi said I would start with the lowest balance and work my way up. Try to tackle Lowes first. Once you pay off the lowest you'll feel a little better. It will feel like you've accomplished something. Don't forget in your process try the goodwill letters. I actually wrote one today for my car loan. It's an old 30 day late but it doesn't hurt to try. Good luck on your journey!