Hopefully this will help someone who's going through something similar....
I'm already just about crying as I write this, but acceptance is the first step.
So, I've been a member since '04. At the time my financial situation was horrible, pawning stuff, cash till payday loans, trying to borrow money from parents, etc.... I joined creditboards then and my scores were this:
10/20/04 TU 511 EQ 496 EXP 484
01/14/04 TU 470 EQ 516 EXP 489
I started reading articles and started dv'ing and such, I did get lvnv (at the time sherman) to delete one of their tradelines which was about $10,000. At the time that was a major push to get other things squared away.
I fell by the wayside, didn't visit creditboards, didn't pay bills on time. I know why I did this, my child has had issues with health since birth, seizures and other issues. At 3 he was diagnosed with autism, I had a hard time accepting this because I had been praying since I was a child that when I had a child he/she would not have health or other issues. So my "faith" had a big hole in it, actually still does, but the difference then and now is that I've learned to accept it, and am dealing with it. And am doing all I can to help my son.
Now for credit stuff...
Since I've basically done nothing since early '05 about my credit, not paid bills on time, wasted money.... I ended up pawning stuff, cash till payday loans, I didn't try to borrow from my parents any more though. I realized the last time they told me no it was time to take care of myself and my family.
Fast forward to present I make a decent salary, have gotten all my stuff out of pawn (about a month ago), and don't use cash till payday places anymore. The problem I had was still wasting money, not having a budget. Earlier this year I had saved up about $3000, and had started a budget, but my not paying bills ontime before that hit me really hard because the IRS seized my account.......... on payday because of back taxes... I had all my bills set up to go through on-line bill pay for payday. So by the time I realized what had happened it was too late.. I ended up having between $400 - $500 nsf fees from the bank following that. So my only option was to pawn whatever I could to get my other bills paid like utilities, buy food, gas to get to work, etc... I worked with the IRS and am now on a payment plan. Yes I keep up with the payments now..
Fast forward again to present my scores look like this:
10/23/09 TU 504 EQ 509
Not much change since '04, in my scores, but I am now determined to get on this. I am determined!!
Looking at my report I have some judgements, lvnv crap, some stuff that is not mine, etc that I have to work on. So, I will be putting my folder together and sending out dv letters, etc, but before that I have a lot of reading to do out here. Some stuff I remember, but a lot I don't, and of course there is new stuff....
So for any who's scores are as bad as mine and you think there is no hope, keep your head up. Don't do the same crap, like pawning stuff, that I've done. There is another way out, but you have to be determined to fix it.
I'll keep you posted on my progress so anyone who may be going through something similar will know there's hope...
Hang in there, as will I......