Wishes don't count for spit

[veracity]

There are times when I wish with all my heart I hadn't fucked up my credit to hell and back when I was 18. Seriously, like you would not believe. Along those lines I wish I had a steady job. I want my own place. Condo would work for now. I just need my own space. I love my godmom, like you would not believe, but I can't handle living with someone

Comments

[theakashicmind]

Hey, at least your credit score is better than mine! And that's after I've paid a lot of stuff off and made are payments on time (even paid it off early somehow). Now I have to worry about that pesky $25,000 student loan. Have you thought about debt consolidation? Or even (I hate to bring this option up) bankruptcy. It has such a bad rep, but it can be a big help and it does come off your credit report.

Do you have anyone you trust that will co-sign for you? I thinks that's the only reason I've managed to get anything I have now. My ex-bf helped me out so much.

[veracity]

Well, I only had about 10k in debt, so that's partially why, I'm sure. I thought about debt consolidation, but that requires a steady income first. And I could probably pay them off by the time I get that done. I thought about bankruptcy too, but for 4 grand it seems kind of a waste of energy, you know? I might end up doing that eventually at this rate though.

I have my godmom who has offered to cosign with me, especially for things like a car, it's just a matter of proving I can keep a job. Tomorrow I'm going to look back into kennel work. Work is work, and I need it at this point. No point being picky. I'd like a car that doesn't look like the junkyard rejected it (it has HOLES in it). My godmom has perfect credit, so that would be a plus, for sure.

[theakashicmind]

Yeah, for that small of an amount, it'd be pointless. I thought about doing it for a while, until I finally got to see my credit report. I have 4 outstanding medical bills totalling $300 (and one for $900 that hasn't shown up yet). I figure I'll pay them when I get to it. Part of my student loan went to paying off the stuff the exhubby left me. Somehow I managed to put myself further in debt trying to get out of it. But I was pretty desperate at the time.

Work is work, I know that feeling. I had one interview today(WaWa) and she scheduled me a 2nd interview tomorrow. I also have an interview with Blockbuster tomorrow. So I'm sending you the good job vibes now ~*~*~*~*

[veracity]

Precisely. I mean, I could have it paid it off fairly quick if I had steady work that I could put back half my paycheck and work towards digging myself out. 300 and 900 isn't worth filing all the paperwork involved either. Not right now. And I understand digging deeper when trying to get out. It's not always easy, like people make it out to be. With the epidemic going as in the country, they'd make it better.

Woohoo, hopefully you get it. I wish I had better credit because so many jobs now run a credit check it seems, which wtf? I hope you get one of those jobs. Steady income is a good thing.

[theakashicmind]

I know. With some jobs, I understand running a credit check, but for somehting like cashiering it doens't make sense.

[veracity]

Exactly. Or really, working for the county system. Why does it matter if you're just looking to be an office assistant. You know?