Im a Single mommy of one beautiful boy, and im 20 years old. I have somehow managed to mess my credit up so badly that i cant get a credit card, line of credit, contract of any kind. nothing.
I want to get married one day and be able to do that freely & I want to be able to have a credit card and build my credit back up Im about ,000 in debt or so. and i need out, and i dont know what to do. HELP!
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Category: Debt Dumper Tips
8 Comments
19:58, 18.04.2010
Declare yourself bankrupt if you own nothing. As you cannot borrow anything, get a credit card, etc, you are essentially being treated like a financial leper anyway!
You will be on a credit list for about three years, after which you can begin with a clean slate.
I don’t know what country you are from, but I have included a page of information on how bankruptcy can eliminate your debt.
http://bankruptcyinfo.com.au/?gclid=CJrq5v__66ACFQpciAodPWUWGA
19:58, 18.04.2010
To build up your credit, pay off your $10,000 debt. That is what will repair your credit. You don’t need another credit card right now! If you declare bankruptcy, your credit rating will be in the toilet for seven years. Stop buying things. No more new clothes for you or your son. You can get hand-me-downs for him and you can wear what you have for now. Cancel your cable TV and don’t spend money on cigarettes or anything else that you don’t absolutely need in order to keep breathing.
Put some money every payday into a savings account (do NOT spend it!!!) and also put as much extra as you possibly can each month onto your credit card debt. You can pay off the debt, but you can’t do it if you keep looking for ways to spend money when you don’t have it to spend. Good luck.
19:58, 18.04.2010
Get a better paying job and pursue child support for your child and so you have the money to pay off the debt slowly and steadily. Eventually your credit score will clean up and you can get more credit.
Also, you don’t need a good credit score to get married. You can do that without going into debt.
19:58, 18.04.2010
here is slow but sure solution.
have a check of yourself.
1. make it your your life mission to pay that debt.
2. think of how you can pay that. this is your blueprint.
3. focus all your energy to your blueprint.
4. remind yourself of your plan and blueprint everyday.
5. read more books about it
6. never give up on your plan
good luck!
19:58, 18.04.2010
You need to increase your income
That is the only way to get out of debt
You can look for a local chapter of nfcc.org near you and they will help you work with your creditors to pay off your debt, but you have to stick with the plan after you start
If you are that destitute, the next option to explore would be bankruptcy
19:13, 19.04.2010
Declare yourself bankrupt if you own nothing. As you cannot borrow anything, get a credit card, etc, you are essentially being treated like a financial leper anyway!
You will be on a credit list for about three years, after which you can begin with a clean slate.
I don’t know what country you are from, but I have included a page of information on how bankruptcy can eliminate your debt.
http://bankruptcyinfo.com.au/?gclid=CJrq5v__66ACFQpciAodPWUWGA
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