Search the Community

Hello, I have had some very unfortunate series of events happen to me in the last few years. I just moved to New York City a few years ago, and I immediately went into the shelter system, I was having domestic violence problems at the time and needed a place to stay fast. My daughter was in Connecticut at the moment working at Walmart living with a friend. I asked that she pay the insurance that month, but instead she spent it on clothes with her friend. Just my luck, the very next week, my car was stolen, along with most of my valuables including my cat. My credit took a very hard hit because of this, and has made my life very difficult for finding a home. Even with that being said, I was still able to find an apartment to rent, via shelter programs and what not. I found a job, with steady income, and I do currently have this job. All my rent payments were made on time, not a second late. I was so persistent on punctuality so that when I upgrade I could have a good reference from my landlord. Again, my luck has failed me, my landlord filed a holdover eviction, basically stating that he wanted me and my two kids out for whatever reason( it was a private house so this was possible). Mind you , I worked and my daughter worked, we provided enough income to pay him on time consistently, and he still filed for an eviction, even with knowledge of us wanting to move out. This took another punch to my credit, my credit is now horrible and I am considering bankruptcy at this point. I want to know if it is possible to some how repair my credit, and how. Thank you very much.