Ok, my score is a 550, and during the Great Recession I was unemployed. I made a $1000 a month to support a family of 3. Myself, my husband and our son who was a newborn. I did not pay any bill not related to food or shelter. I have 16 collection accounts total about 9k, student loans very late but not in default and a home loan modification. At one point I was 120 days late on my mortgage-I had to be that late before my lender would work with me. My husband and I now have ok jobs, we have paid the mortgage on time for 4 years. I have contacted my student loan lender about an income repayment plan. We are working on pay for deletions. In addition my husband has the same issues. Our lender closed all our credit cards.
Where should we begin...feeling a bit overwhelmed? What do we do when creditors will not agree to a delete?
How can we get our score back to a 700?
