I want credit!
Date: Fri, 10/05/2012 - 07:33
Heres my short story :) About 10 years ago i made bad choices ofcourse. I was 18 years old and i got a couple of credit cards and joined gyms and cell phone plans etc. My debt wasnt that bad but my credit score is about 500 i believe.
I had an ex girlfriend whos name was also in the mix of it all so i spoke to a family loan shark friend who lend me 10 grand or so. I spread it out and paid the most creditors i could. Yesterday! finally i finished paying the loan shark! im extremely happy about that. i was paying $125 a week all these years.
Im 27 now i have a son and although i have a great job i still need credit for an apartment and many other things in life! Many jobs are also checking your credit score. The problem is that many of these creditors stoped sending me mail i just know that i owe bally total fitness about 2 grand also a cell phone company about $900 who i believe went bankrupt but i was still getting mail years after they went under.
There may be more i dont know about but i just wish i can get em together pay em off and start getting credit! Also i dont think ive been sued i havnt seen anything. Thank you!
I'm sorry what? You borrowed 10 grand from a loan shark and paid
I'm sorry what? You borrowed 10 grand from a loan shark and paid him 125 a week for 'years', and you think you're ready for credit? Sorry but no. Go to a credit counselor non profit and speak to them so you can be educated...
Ok let me rephrase. I dont want credit as in credit cards i just
Ok let me rephrase. I dont want credit as in credit cards i just want a good record. I want advice or is this not the place? If not im sorry.
Yes i paid that much, i was young and i wanted everyone off my back. I cant go back now
Sorry he is right you take out loans from loan sharks like that
Sorry he is right you take out loans from loan sharks like that you are irresponsible.. LOL. But ok we can help. we need to know your derogatory things on your credit. Collectors judgements what is on
Thank you. Where exactly can i find what youre asking for?
Thank you. Where exactly can i find what youre asking for?
Get your free credit report.. You are entitled to one from each
Get your free credit report.. You are entitled to one from each bureau every year. Once you get that tell us what the negative items ar