In 2017, I lost my mother, the first person I’ve ever lost in my life. 2 years later, my husband of 10 years left me and I was no longer allowed to see my step-daughter that I have loved and cared for since she was 6 months old, only to be told that I could no longer love her or see her, that I wasn’t good enough to be her stepmother. The marriage itself was a roller coaster of good and bad and the divorce was 10 times worse and absolutely destroyed me mentally. I was diagnosed with severe bipolar, PTSD, agoraphobia and insomnia. My husband who left me for another woman left me with no place to live, no money, nothing but a head full of mental issues and more debts than I could handle.
Those mental illnesses prevented me from functioning properly, or holding a job and I could no longer socialize. I got to the point to where I couldn’t leave home for more than an hour without a panic attack and that’s if I was even able to get out the door without a 4 hour complete mental meltdown. I fell so far behind financially that I wasn’t sure how I was going to support myself. I lived in an RV with my dog, Kiwi, who I wouldn’t have made it without her and one other person. I was barely able to make ends meet. So many days Kiwi and I went hungry because I couldn’t work to feed us.
Then Hurricane Laura came and destroyed my best friend’s home as well as so many others. So I sold my best friend my camper for a very low dollar. I needed the money and she needed a home. Which put me in a complicated living situation, leaving Kiwi and I car sleeping and couch hopping. We haven’t been in a safe, secure home since we left our camper. I’m too scared to leave Kiwi with anyone, she was attacked by a little bull last time I did that and she almost didn’t make it. My dog is my psychiatric support animal. I can barely function without her, I would be an absolute mess if I lost her so I know I have to do something to get us a safe place to call our own.
I’ve seen a few doctors since and am now on medication. I’m now able to work again with limited hours and limited income and its just not enough to get me where I need to be to reach my goal.
I’m a single woman and am now trying to buy my first home to give myself and my pup a solid, secure, permanent place to call home. But in order to do so, I must raise my credit score. I’ve been working on it myself for 2 years now and it seem like I’m never gonna get ahead. I work 3 jobs and babysit my niece to make funds but it’s just not enough to pay my bills and get that lump sum to pay off debts. All my debts total up to around $2500. Once I pay those off, score goes up and I can get approved for a mortgage loan.
I’m just having trouble getting a loan with my credit score the way it is. It’s close but not high enough. I’m looking for an individual that is willing to help me with a personal loan of $2000-2500. I’m not asking for freebies or the entire upfront cost on a house, just a little help to get my foot in the door. I’m willing to set up a payment plan or work off the debt. Getting all of my debts into one loan is going to bring me that much closer to accomplishing my goals. Any little bit will help me and I’m definitely open to suggestions on repairing my credit.
Thank you for your time.