Dawgamus and the deep dark hole of sub 600
10-05-2012 03:45 PM
How we got to this place;
I was promoted and moved by a retail chain to manage a failing store in Feb. 2k7. I bought a house on the lake in march I broke a company rule and was fired July 2k7. They closed the store Oct 2k7. I was unable to make payments on several debts. Was foreclosed on in Nov. Got a new job a week after they filed the papers. Citibank loan, was for home improvements, I had payed for disability/loss of job insurance. But they denied it because of the status on job loss (no unemployment). So I never picked up payments again. Yes I am stubborn. I was laid off from last job in Cot. 2011 and have not worked since. I am on disability at 1600 a month.
I will post my credit report on my next post, and my plan of action after that. I am expecting a lump sum settlement on an annuity. I have limited resources, Live in a leaking 24 ft Motor Home, and need to get out by December. So the quicker I can raise my scores the better. Please let me know what your advise is. Esp. if you see me doing something stupid.
Starting Score: Sub 500
Current Score: 567
Goal Score: 640
Take the FICO Fitness Challenge
Once you have hit rock bottom, I prefer Semtex to get a little deeper