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I AM BROKE

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elim
Senior Contributor

I AM BROKE

I sent the last payment today(a monster) for a 1 year old med bill that never hit my reports and paid a couple hundred on some other debt. And i just remembered I have 1 more unpaid 1k med bill floating around out there somewhere that i need to find before it hits.

 

I now have about $400.00 spread out between 4 bank accounts and am officially living paycheck to paycheck. Every dime i make in the next 3 months is spread out on some google spreadsheet and spoken for by creditors. It... really... sucks. Oh but I'm so looking forward to paying back taxes the entire next year Smiley Happy lovely.

 

 ok sorry, i just had to share my stress before i really panicked. ahhhhhhhhhh.... deep breath.....   thanks for listening and yes, I created this entire mess.

Message 1 of 11
10 REPLIES 10
Shogun
Moderator Emeritus

Re: I AM BROKE

Yes, but you are fixing this mess.  And that says alot.  Good luck!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 11
d170
Regular Contributor

Re: I AM BROKE

Are you able to do any overtime at work to give you a little wiggle room? You still can't forget to take care of you. You don't want to have to rely on CC (if you have them) should something go wrong.  I wish you the very best in your credit journey and hope you're not broke for too much longer 


Time to Garden!!
EQ 703 TU 752 EX 711 as of 07/19/2014. In the garden until 01/19/2015. Baby steps, baby steps!! Trying for 750 ACROSS THE BOARD.
Message 3 of 11
eric19k
Established Contributor

Re: I AM BROKE

Hope this will help.
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Another-Credit-Rebuild-Tale-With-a-Twist/td-p...
TU Scores:
May 2014- 466
July 2014- 537
September 2014- 602
Goal Scores- 720 by March 2014
Message 4 of 11
wa3more
Established Contributor

Re: I AM BROKE

hang in there. Things will get better. Most of us have been there too.

Message 5 of 11
babyeyes00
Regular Contributor

Re: I AM BROKE

I have been there before.  Just remember that there is only one way to go...up from here.  Good luck to you Smiley Happy

Starting Score: 555
Current Score: 685
Goal Score: 825


Take the myFICO Fitness Challenge
Message 6 of 11
VinnyVee
Contributor

Re: I AM BROKE

I'm in that situation as well, friend. It's a good feeling when you start getting the results though!

(started in the mid 500s on all 3, 11/13)
As of 5/22/15 EX: 698, EQ: 700, TU: 703
Barclay Rewards: $2750, Capital One Quicksilver one: $4300, Discover IT : $300, Amazon Visa: $100. Best Buy Credit Card: $3000, Kohl's Charge: $300, Express: $2600, Overstock $1650, Chase Freedom $4700, AMEX Everday $1500, Serta iComfort $4700, Walmart $1600, Target $300
Message 7 of 11
pisspoorcredit
New Contributor

Re: I AM BROKE

eric19k I love that thread!

Starting Score: 503
Current Score: 510
Goal Score: 700


Take the myFICO Fitness Challenge
Message 8 of 11
elim
Senior Contributor

Re: I AM BROKE

thanks all. it really seems to work when i "check in" here every day. it keeps the rebuild in front of me and keeps it active and alive. i'm here for the duration. cheers Smiley Happy

Message 9 of 11
songsofexperience
Frequent Contributor

Re: I AM BROKE

I hear you! I paid off my tax payment plan with the IRS in April (had been paying of $4000 over 2 years), paid a judgment in January and another in May - all told I've paid off about $8000+ in the last 8 months. It hurt, but it's so good to know it's gone and not coming back!

 

Good for you for making it happen!


Starting Score: 2/2013 EQ 535
Current Score My Fico: 5/23 EQ 808| EX 812 | TU 800
Message 10 of 11
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