Hi, my score is approx 408. According to Credit Karma I have 6 closed credit cards (to my knowledge, they're all in collections though), a car payment that I'm 30 days late on (but have a payment scheduled), 2 student loans ($12000 and $1000) and one credit card in collections. Backstory is I have bipolar disorder and had a psychotic episode that lasted approximately 6 months. During that episode, I applied for all of my credit cards. Over the next two years I spent up the limits on all of them. I have $24,940 in debt. Is there any hope for me? I'm considering bankruptcy but am scared of losing my car or the potential to rent again. I have been a lot more responsible with money after my most recent hospital stay and have caught up (almost) on my car payment but not my credit cards. HELP.
You need to give more info. What cards do you have the balances and interest rates and your income.
I wouldn't even worry about your scores ATM you need to tackle your debt. Student loans can't be included. Most times you can keep your car, but we need more info before giving advice.