Credit Card Center Advertiser Disclosure†
12-22-2012 09:05 AM
12-22-2012 10:13 AM
I think your question needs to be asked in a different section for more of a response from others.
Just ask a moderator if they can place in a more appropriate area.
12-22-2012 11:58 AM
i congrtulate you on making it thus far without a studen loan, but in order to move forward you may need help,. Go a head and feel out your FASFA and borrow what you need until you get on your feet. It may be only a temporary solution before you get any further behind on your car an credit cards.
12-23-2012 07:44 AM
+1 on the student loans. You can easily get enough to pay off your relatively low debt. You do not have to start paying back any of the student loans until six months after you graduate, but you can pay on them whenever you want. It is definitely very responsible of you to put 20% away in savings. I think that you can easily cut that down to 15% and take the other 5% and put it towards the repayment of your student loans, or, leave it at 20% and put 5% or so towards the loan repayment. Then, start building positive credit with a cc, secured or unsecured -- it doesn't matter; whichever you can get approved for. But know what your scores are at before you apply for anything so that you do not waste a HP on something that you will probably be denied for.
12-29-2012 09:31 AM
Can you find an additional job? I would try that to bring in some additional income to help pay your bills. Other than that I would create a budget and stick to that of course. pay the minimum on your bills but throw any extra money you have first at an emergency savings account to cover things like flat tires etc. and then start attacking your cc debt. I would also try asking your sister for repayment. She should understand your situation and maybe she can start making payments to you. I wouldn't depend on anyone but yourself though and I am speaking from experience.
01-02-2013 09:13 PM
Join the Reserves !!!! Im serious
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.