Are all the med stuff in collections? If so, you can try a pay for delete. Or search the HIPPA listed above. that is a fairly work-intensive process from what I've read, but lots swear by it. Tackle the most recent first. If you can get even a portion of those removed, then you will improve your score a good bit. It's not the amounts but the number of them that is killing your score. Then perhaps you can get it up enough to get you a CC even if its credit one or another sub-prime and start building up some positive history.
Spend a good bit of time reading in this forum. Lots of us have had issues and there is a wealth of information here about how to get the score up and back on the right foot.
Or even Capital One. Capital One gave me a $300 unsecured card at a time when Discover wouldn't even approve me for their secured card.
In your situation, even though it won't be the quick and easy soluition id consider the previously mentioned HIPAA process that we cannot discuss on here... I'd also try to prune most of your wants vs needs... You need to find a way to save enough that you can also try barganing with these medical collectors and/or paying off some of the smaller ones.. or even settling.... You might even have to consider BK but that will still leave you with student loan debt, and you might lose the car .... You can do this. it just will take some work and research on your part...
-J
@Anonymous wrote:
Agreed with stopping the bleeding first. It sounds like right now your life consumes every dime you bring in. I’m going to make some assumptions below - feel free to correct them but know that I’m mainly saying what I say to make a point.
First thing I would do is cut the unnecessary items out. If you have cable, shut it off. See if you can cut down on your phone plan. Kick Netflix to the curb. Things like that seem important but very quickly you learn to get by. Removing those bills can free up money that will start to give you breathing room. Add up these things and divide by four to see what you can save each week by eliminating them.
Second, for the next week continue your daily routines...but get a receipt for everything you buy and put it in an envelope. Do not change your patterns and norms if you see where I’m going with this. If you stop at Dunkin’ for a coffee every morning, keep doing it for the next week. If Wednesday is the night you order Chinese, order it. Save every receipt for every purchase. Then, after a week, go through all of them and add up everything you bought that isn’t a necessity. See what you spend each week on things that are not necessities. That’s your next area of cutting. Add this to your weekly savings figure from part one.
You can plan your meals ahead of time so that you know what to get at the store and aren’t winging it. Make a list and stick to it. It’ll save money.
If you can make some sacrifices this way, you may find the finances aren’t as dire as they appear. Adapt to the new spending habits and you will start to see a balance left in your account each week that’ll start growing.
As mentioned above, get your credit reports. See where you stand and let us know what’s on there that’s bad. There are things you can do and address that cost you nothing more than some time and effort and that can make a real difference in your score. This will help you start climbing out of the credit pit so that when the finances are better, you’ll be able to tackle the past due balances and work on moving from the 400s to the 700s.
Remember, many of us have been there and done that, or are still doing it. We get it, we don’t judge, but we will help you in any way we can to fix the past issues and move forward
+ 100 to what Devil said!
Getting out of debt is a mindset. The only way to permanently get out is to change your habits. It takes time but you can do it if you put good habits into place & practice delayed gratification. GL!