BAD CREDIT.. Drowing In A Black HOLE
I have really bad credit and I feel overwhelmed and don't know what to do. It all started when I turned 18 and took out one credit card. I have always been very good with money, finances, and saving and thought that I would never be one to face credit problems. Growing up, my parents always struggled with bad credit and tons of billsÃ¢â‚¬Â¦. mainly because my mom kept digging herself in holes she couldnÃ¢â‚¬â„¢t get out of and my dad wasnÃ¢â‚¬â„¢t aggressive enough to take hold of the finances although he wasnÃ¢â‚¬â„¢t much of a spender. A couple of months after I turned 18, my mom took out multiple credit cards under my name online with my social and never told me. She ruined my credit before I had the chance to build it up and I have been paying for it ever since. I am 21 years old right now and the debt has escalated way over my head. I felt angry that I had this debt and basically left the burden on my mom to pay off which she promised but never got past paying more then just late fees and interest. When I turned 21, I felt the struggles of bad credit. Getting myself a car and apartment were almost near impossible and I struggled hard to get them both. I have matured a lot and have token the bills under my own control instead of waiting for someone else to pay them but I feel very overwhelmed. Trying to pay the debt, my car, insurance, rent, etc have become too much. I moved into my first apartment with a 1600 deposit. I now find myself with so many bills that I need to take out a loan to get back on track but have horrible credit. Does anyone know of any place I may go in order to take out a loan? I want to pay off everything and everyone who has lent me money and just worry about one payment a month. (TO THE PEOPLE ON THIS WEBSITE) your postings and helpful advice to others has touched me deeply. ItÃ¢â‚¬â„¢s nice to see people caring about other people. Please feel free to post comments..
-From the one who still has faith of a better tomorrow