Hello All,
Feeling really down right now, figured i might as well make the first steps in what would call a long journey. Been feeling really good right now for the first time in a while. Got a new job getting paid decent money in a really expensive city. decided to take a peek in the dirty closet to check on the old skeletons. What i found was flooring to me:
Trans Union: 501 - $21,000
Equifax: 501 - $14,000
Experian: 501 - $21,000
Student Loans - $13,000 - OK <-- and i need to go back 
Discover Card - $6k - OK
Capitol ONE - $700 - Charge Off <-- Really Kicking Myself for burning this bridge
Cable Company - $100 - Collections <-- Obvious mistake as my service is still up and running fine. My $ depends on the internet
Asset Acceptance Judgement - $2000 - 12/08
What really put the Icing on my cake was when i saw the trauma, i immediately went to my Banking Site and applied for a secured Card. been banking with them for about 10 years. and i have kept over $8k in there since i got the job. Been saving to get my brand new family out of my FU%$ing parents house. #EMERGENCY status.
They denied me a Secured Card!!! I legit walked into the bathroom because i didn't know if i was gonna have a good ol' fashion cry or not (was infront of the wife).
So Now What?
Should i pay a service to start working on this for me?
is there a national service that could help me?
I'm only 28, i feel like i made enough mistakes to last me a lifetime. Where should i start? I do accept swift kicks in the butt, please limit them as i am already pretty hard on myself.
This forum seems like it was just what i needed.
Thank You
@Anonymous wrote:Hello All,
Feeling really down right now, figured i might as well make the first steps in what would call a long journey. Been feeling really good right now for the first time in a while. Got a new job getting paid decent money in a really expensive city. decided to take a peek in the dirty closet to check on the old skeletons. What i found was flooring to me:
Trans Union: 501 - $21,000
Equifax: 501 - $14,000
Experian: 501 - $21,000
Student Loans - $13,000 - OK <-- and i need to go back
Discover Card - $6k - OK
Capitol ONE - $700 - Charge Off <-- Really Kicking Myself for burning this bridge
Cable Company - $100 - Collections <-- Obvious mistake as my service is still up and running fine. My $ depends on the internet
Asset Acceptance Judgement - $2000 - 12/08
What really put the Icing on my cake was when i saw the trauma, i immediately went to my Banking Site and applied for a secured Card. been banking with them for about 10 years. and i have kept over $8k in there since i got the job. Been saving to get my brand new family out of my FU%$ing parents house. #EMERGENCY status.
They denied me a Secured Card!!! I legit walked into the bathroom because i didn't know if i was gonna have a good ol' fashion cry or not (was infront of the wife).
So Now What?
Should i pay a service to start working on this for me?
is there a national service that could help me?
I'm only 28, i feel like i made enough mistakes to last me a lifetime. Where should i start? I do accept swift kicks in the butt, please limit them as i am already pretty hard on myself.
This forum seems like it was just what i needed.
Thank You
Don't be hard on yourself. That's what this site is for. Everyone that I have encountered is very nice and informative. I'm sure most people here will tell you to work on paying off some of your debt. Which I agree, but I would attempt to get a secured card else where if possible. Also, try to do PFD letters on the accounts that you want to pay off. Only contact them once you have funds to pay them. Put first I would check with that cable company to get that removed if you currently have service with them and they are reporting that to CRAs. Hope some of my info can help and I'm sure the Vets will chime in. Good Luck and be patient.
Or go to a competing bank and say, hey, I'll move my steady $8K account over to you guys if you'll set me up with a CC, secured if necessary. Bring your recent statements to show them you're for real. You might try that at a local credit union. There are some national credit unions people on these boards use to get secured cards. One of them doesn't even do a hard pull of your credit. Sorry, can't recall the names of those credit unions. Perhaps someone will chime in or you can do a quick search. Lots of great info here on these boards.
Take all that energy and turn things around. It can be done. Wake up every day and tell yourself you will do better than the day before. You can do the same things as most of those companies. Just a little work. But sounds like you have the energy to get the job done. Cap One will let you back in once you start to straighten out some of those baddies. Start working on one at a time. You WILL get there. You can read many successful stories here to keep you inspired. Water under the bridge now. Don't think about what you did, think about what you're going to do. I have faith. 
Keep us posted.
First, I'm going to agree with you....you're in a pretty crumby spot. Can't sugar coat that at all. The good news is that just on here I have seen worse situations turned around in the things I've read. Stop being so dang hard on yourself. I'm starting this journey at 34 years old. By the time you're my age you should be well past all of this....and likely sooner.
I don't know much, but I will tell you this: READ READ READ READ. This forum is a WEALTH of knowledge and they CAN and WILL help you. Don't pay some blood sucking lawyer to "fix" your credit when you can do it yourself. They really can't do anything that you can't do yourself with the proper guidance, and that guidance can be found on here.
Set yourself some goals, and bust tail to meet them. If you fail, get up and do it again. Its fixable, man. The sky ain't falling.....
My last piece of advice...I know living with the parents sucks sometimes....BUT....if they're ok with it, then USE that to your advantage....dedicate the money you would be spending on an apartment or house to getting everything patched up. All things in good time.....sometimes you have to take a hit on the old pride to do what is best for you and the family. Think ahead of the here and now, and use your current situation to build a future for ya'll.
Good luck, sir!
@Anonymous wrote:Hello All,
Feeling really down right now, figured i might as well make the first steps in what would call a long journey. Been feeling really good right now for the first time in a while. Got a new job getting paid decent money in a really expensive city. decided to take a peek in the dirty closet to check on the old skeletons. What i found was flooring to me:
Trans Union: 501 - $21,000
Equifax: 501 - $14,000
Experian: 501 - $21,000
Student Loans - $13,000 - OK <-- and i need to go back
Discover Card - $6k - OK
Capitol ONE - $700 - Charge Off <-- Really Kicking Myself for burning this bridge
Cable Company - $100 - Collections <-- Obvious mistake as my service is still up and running fine. My $ depends on the internet
Asset Acceptance Judgement - $2000 - 12/08
What really put the Icing on my cake was when i saw the trauma, i immediately went to my Banking Site and applied for a secured Card. been banking with them for about 10 years. and i have kept over $8k in there since i got the job. Been saving to get my brand new family out of my FU%$ing parents house. #EMERGENCY status.
They denied me a Secured Card!!! I legit walked into the bathroom because i didn't know if i was gonna have a good ol' fashion cry or not (was infront of the wife).
So Now What?
Should i pay a service to start working on this for me?
is there a national service that could help me?
I'm only 28, i feel like i made enough mistakes to last me a lifetime. Where should i start? I do accept swift kicks in the butt, please limit them as i am already pretty hard on myself.
This forum seems like it was just what i needed.
Thank You