I have been in this hole for a long while now. Because of my credit, I haven’t been able to get a new car or even move into a decent apartment.
I live in North Carolina About 3 1/2 years ago, i moved into an apartment with a girl i was mutual friends with because i NEEDED to get into a place to live fast. My mother was moving back to New York because our grandfather was dying of cancer and i didn’t want to go back with her. I decided to try to make it on my own. It was great at first. I had a great job making $18 an hour. We split everything in half, so i always had extra money to buy groceries and buy what i wanted. I Was really into video games back then. Anyway, About 6 months in the girl i was living with started showing her true colors. And unfortunately around that time i got laid off my job. And not even days later my car broke down. I didn’t have family out here to help me. I was stuck. I tried applying to any job i could possibly get and my mom was sending me $500 a month to help me with bills to help me get back on my feet. But it wasn’t enough for the girl i was living with. She treated me horribly even though she wasn’t paying her own rent. Her father who was a big CEO of a company 15 miles over was paying her portion of the rent for her. So she had no worries in the world. I was struggling so bad. Months went by and i believe it was July at this point and my birthday was coming up. I Was turning 21 and i FINALLY found a job but it wasn’t enough and it was also far. No one was hiring in my area. But i made it work because i knew my bills came first. I needed somewhere to sleep. I still was out of a car. So i took the bus to work everyday. Even though i was paying my bills the girl i was living with still was not satisfied with living with me even though i would take care of her when she got drunk or was high on drugs. I always cleaned up after the both of us and took care of her animals as well. She had two cats and a dog that i was always home with making sure they were fed and loved. Two months went by and it was September and she told me she was leaving in two weeks to go to Appalachian state. She didn’t even give me time to find a roommate for when she moved out. So i was stuck making $9.50 an hour with an apartment that was $1,000 a month and electricity bill through the rough because she constantly left all the lights on all day and night… I did everything i could to take care of everything and pay off my bills. But i still ended up getting evicted and having to live with an ex that i REALLY didn’t want to stay with. I didn’t have many friends. And my family was so far north i didn’t have help from them. I’m in a stable place now. But because my credit is shot, i still am not able to get a car. I can’t get a credit card because i don’t seem reliable. And i’m hoping paying this off would get me on my feet to be able to FINALLY Get me a car. My mother wasn’t a bad mom but she definitely didn’t teach me how to be an adult and deal with credit so i don’t struggle the way i am now.
Today, i’m NEVER late on ANY of my bills. I haven’t been in three years since this has happened. I can never have an apartment under my name because of the eviction. So paying my bills on time still isn’t helping my credit. I still am not able to get a credit card. So PLEASE. PLEASE help me! I really want to try to get a new car. I only make enough to pay bills. I Work pay check to paycheck and i can’t move up to try to get a better job because i have to walk to my jobs. And there isn’t reliable public transportation where i live now.
I hope you all consider what i have said. I can only hope for the best.