@BetteDavis2013 wrote:Well, Its been a while since I posted. Was doing great on the road of credit recovery and rebuilding. I have established somce great credit lines with Discover, my credit union and solid store cards (Macys, Nordstroms, VS, Kohls). August, the crap hit the fan. I had a major emergency and my cash flow hit a major snag. I paid the important bills and stayed current on some credit cards bills. I couldnt make all my oayments and have suffered on credit card (one of my crappy rebuilders which I tried to reach out too, no luck) and a personal loan which I sent a letter to asking for an extended payment plan (they sent me staright to collection). Now I feel all my hard work has gone to pot. My cash flow is back up and I am slowly digging the debt I accumlated to make ends meet the last few months. How long will it take for the oopsies I got while I was in a bad situation? After this last experience, I am more determined than ever to pay off everythng in the next 10 months. I hate the fact that i spent a long time getting crap off my credit report only to have it seem useless after a few months of a setback.
Sorry BD about your emergency. Sometimes we suffer setbacks, but in time you will rebound. Did you go 90 days late on some? Just try to maintain a positive payment history from now on, take care of the collection if you can and try GW if you can-and remember to never give up. Remember-failure is not an option. 