Can you get approved with 4 old open collections for walmart and cheveron?

[LoveGoodCredit]

Jamie - He is a Dave Ramsey fan.  Does that explain?  lol

[jamie123]

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@LoveGoodCredit wrote:

Jamie - He is a Dave Ramsey fan.  Does that explain?  lol

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No, not really. I'm not really familiar with Dave Ramsey.

What is your husband doing or not doing that you think he should? Does he think you are doing something wrong?

Why doesn't he agree with your plan on rebuilding your credit? Maybe he would feel threatened if you were in fact successful?

[LoveGoodCredit]

Dave Ramsxey believes in paying off debt.  Nothing to do with credit at all.   These past due debts are part of the snow ball effect but we do not have our 1000 emergency saved up because we always seem to be in a financial crisis.   It all started with hurricane Issac and now my mom needs a second opinion on her cancer so we are travling to TX, that is our other 1000.

We have good jobs, just cant seem get ahead of ourselves because one thing comes up and then 10 other thing with it.

Dave Ramsey requires 1000 emergency fund.