Embarrassed to be here but want help...

iVillage Member
Registered: 03-27-2003
Embarrassed to be here but want help...
11
Sat, 06-18-2005 - 11:29pm

Hey everybody,


Here's the whole situation, and I admit it is all a mess... When I was 18, I got a couple credit cards, defaulted on them, and ended up having them be charged off, or settled with them by paying them off in installments. I got a couple crappy credit cards, made payments on time, and within a couple years, I cleaned up my credit to fair enough I got a decent credit card... Well, then I met my husband. He's no smart cookie when it comes to money. I was starting to be overextended, fell madly in love, and just ignored every bill and let it all go to he**. EVERYTHING went into default, my new good credit card, my school loans, my other credit cards, my utility bills, and on and on.


Fast forward to life 4 years later, since I 'ran away and got married' I have yet to confront any of these bills. And to make it worse, I am the only breadwinner in the family right now (bad circumstances) bringing up 2 kids and husband too. We are scraping by, by the skin of our teeth, paying cash for everything and thanking God that the cash comes out 'just right.' Well, the creditors are starting to track me down. They are starting to call, and drive me nuts. And I am just ignoring them, cause I don't have a cent to give. We are literally scraping by.


About 3 months ago, I applied for a bad credit credit card. Well, I was 'accepted' and am not charging anything on it, just paying the minimum payments (its only got a $250 credit limit and due to the initial fees, its pretty much maxed out). I want to establish that I am trying to be better. Well, I was also accepted for another low-income credit card just a couple days ago. This one does

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Avatar for mymartes
iVillage Member
Registered: 03-26-2003
Tue, 06-21-2005 - 1:45pm

So glad to hear that you didn't file BK, instead pulled your report. Don't worrry......slowly you will get it in good shape.

Good luck.

MYM

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