Not sure how to start so, I will pick a point and hopefully it will make sense.
My name is Renee. I am 56, divorced, 2 grown kids, and a grandson. I am at a point where my housing is getting beyond what I can pay. If I can’t pay and have to move…I would end up being homeless due to my credit and history.
In my life, there have been struggles that I have had to overcome starting from birth. The parents filed for divorce when she was just a few weeks pregnant with me. She had an older daughter and soon after me, a younger daughter. I was the one who was the whipping post. Heck, if she did what she did then, now…she’d be doing time. The closest object was her go-to; belt, whip, hanger, electric cords…but, enough about that.
One of the things that she did was to use my social security number when I was 3. There was a lot of things she put under my SSN and didn’t pay. When I turned 16, I ran. I ran as fast as I could out of her house. I didn’t know anything about anything. I didn’t know how to grocery shop, pay bills, get an apartment, heck, even applying for jobs I didn’t know how to do. I couch surfed for a while. I found a fast food job and a co-worker looking for a roommate. Or rather someone to sleep on her couch and pay her money. So, that is how I got out.
Due to life circumstance, trauma, PTSD, lack of self-control? I started using drugs. These drugs put me into several rehab facilities and hospitals. I am very fortunate to never have gotten a DUI or hurt another person. I went down this path for a while. Then, I got hurt. I fell down stairs and hurt my back. Here is where my life really started going down hill. Doctors put me on very strong opioids. Back then, they were saying that they weren’t addictive because of the time release. Well, tell that to the families that have lost family members to over-dose.
I was taking opioids for 17 years. I made poor financial decisions. Partly because, why not, my mom messed my credit to start. And partly because this drug had such a hold on my life, I had no other option. I did things I would never consider doing now.
Currently, I have 11 years off pills. For the last eleven years, I have been trying to make up for the mess ups from the past. Unfortunately, it not getting me anywhere. My credit score from 3 years old, has hung around the 500 range…typically lower.
My goal is to fix my credit by the end of 2023 and buy a house. In order to do this…I need $20,000 to clean up my credit.
I am open to any questions you might have. If you made it this far, thanks for reading.