I've fallen off after making a good gain!

[bigrob1027]

I suffer from depression. I, at one point, used it to my advantage. I joined CB and went from no credit mid 5's with multiple delinquencies to 6 cards, two 5k, which I felt proud of. I then was irresponsible and ran them up. Altogether 20k but I  make my payments. I recently lost my kids mom and I'm late on one or two cards. Circumstances are a perfect storm of bs but my income is good enough to recover. I can pay down the 20k no problem in 5~6 months. What can a mentally disabled vet do to come back better? Deletions for late payments, child support rearage and inquiries are my issues. How long should my process take? What happens when my cc's expire 2024 and I'm caught up?

[hegemony]

try to keep everything in perspective and focus on the things that matter most (your health, people around you, etc.)

 

You can start dealing with the credit by ordering paper copies of your reports:

https://creditboards.com/forums/index.php?/topic/590506-ordering-paper-credit-reports-information-inside/&tab=comments#comment-5623246

IDS: https://www.innovis.com/personal/creditReport

Getting paper reports will show you exactly how everything is reporting "officially"

 

Late payments might be worth a GW letter strategy depending on the lender. It doesn't sound like you have been so late that you're dealing with charge offs so you are in a much better place than many people.

 

It is not unreasonable to do a lot of good credit repair in 6 months or so, but don't put high expectations on yourself at the expense of your own health.

 

The money management subforum has a lot of good information about budgeting. You may find it useful as you work on paying off items.

 

Be sure to ask questions! There are people here to help

 

P.S. don't worry about inquiries.

 

 

 

[bigrob1027]

Outstanding! I really appreciate you helping me get lined up in the right direction. I'll get on the money mgmt sub asap!

[centex]

As long as the accounts are still open and in good standing, then when the current card expires, you will already have received the replacement with a new expiration date some number of years down the road...

[racer7949]

On 10/10/2021 at 5:17 PM, bigrob1027 said:

I then was irresponsible and ran them up.

 

You are among friends. We have all been there. 

Edited October 13, 2021 by racer7949