my credit is so low due to me deploying to afghanistan back in 2014 and 2016 for 9 months at a time. And army's system is sooooo perfect that it cancelled my auto pay from mypay. When i returned back to usa i have find out that multiple of my bills are way over due. Someone went to collections. Called the collection company to try to fix it. But they cant find my case number. Unable to pay it. Well in 2017 got out of army honorablly and soon after divorced. Also affected my score. 2018-2019 struggling in between trying to get a job or keeping a job but due to PTSD i cant keep nor find a good job. Then 2020 happened and covid came. Now the whole world is finacially in trouble. Now my score is between 400-450. Now with this score.. i cant rent a apartment, get a car, or even get a job (some jobs require credit score checks). Living in rentak car since february 2020 until now. Story of my life. ….
Sorry that sounds rough, try contacting the financial counseling here? https://saverlife.typeform.com/to/U8F1c7
Also check auntberha.com for resources in your area, also 211 is United Way general info and help. Good luck.
Sorry to hear. That's rough. My credit is about the same. Luckily I'm already living somewhere. My mother was in the Army for 26 years. Are you still receiving income from them? Is there any way you could get a secured credit card to build credit?
Sorry that sounds rough, try contacting the financial counseling here? https://saverlife.typeform.com/to/U8F1c7
Also check auntberha.com for resources in your area, also 211 is United Way general info and help. Good luck.
What can they do to help you credit wise?
Sorry that you are having a rough time. Hang in there!
You must be in a tough and rough situation, and i could not agree less that you are faced with bubbled up financial challenges. Dont lose sight of your goal which is to find ways to stand on your feet again. Seek help to people around that love you.
mike k.. positive vibes only man.
Hang in there, it can increase again with work
How can I improve my credit score?
get a membership at credit secrets dot com then they will tell you on their private fb page what to do
go to google and youtube and seach how to get rid of charge offs and collections without paying- this is what i did and my score went up to 650 and i deleted 3 collections for free wit youtube vids and google tactics and tricks
You can go to the bank and take a secure credit card that can help you increase you score. Ask the teller for more information.
Thanks for all the great information!
Go to a credit union and apply for a secured credit card to help you with your credit score.
Credit karma really works I went from a 490 to a 717 in less than a year and never even owned a credit card can’t get bank accounts but I started with chime and credit karma now I have good credit 3 credit cards and still working on everything else I messed my credit up at a young age now I’m 38 with 4 kids and a grand baby really trying to “get my life together” so I can have something to pass down later..
Credit karma is free to dispute everything idc what it is dispute it I’m serious y’all… getting old charges off your credit idc how old it is hospital bills especially they say they don’t hurt ur score but they do but dispute everything then get a card with no deposit or annual fee to start off with low credit and build from there credit unions don’t always help but this you can do in your own time and pace idc what nobody says chime works with credit building!!
Make a plan with things that you can help improve it.
Building credit can take some time.
making payments on time will increase your credit score.
Keep working at it. It will improve!
It takes time but making payments on time will get you there
