Ok long post ahead.... Ok I dont talk much about my financial situation because I just think its too personal (gotta get out comfort zone) but this has been going on for a while and today I hit a goal that I set a little more than 2 years ago. This is about my credit score and ALL my bad debt. And by bad debt I mean $$$ I owed and just neglected to pay. There was collections, there was lawyers calling me, there was sheriffs going to my dads house trying to find me, there was court dates, it was very frustrating as you can imagine. It was all my fault. I was simply irresponsible. My credit score was in the 400s!! If you dont know about scores, that is SUPER LOW!! Man I didnt have enough credit to even have a girlfriend!! Lol. Seriously tho. Who wants a man with bad credit?? So I made a decision to get my shit together and start making payments on some of the debt. The total was about $14k.....yeah that much. But get this when I would ask for professional help, they said I didnt have enough debt for them to help me!! Like wtf! So I did my home work and started to learn how to clear my debt. So I just picked the first account and started making payments. I was making small payments because thats all I could afford. My debt wasnt even going down because of the interest being so high it would basically even out and I would still be owing the same month after month. Yeah so i got irresponsible again. Said screw that who needs credit. I got cash. Do you know how tough it is to buy everything you need with cash?!? Not having credit sucked!! Oh you want a car? Cool, you can have one with 24-27% apr. Um no thank you, I will continue to drive my civic. My 1996 civic. Which I miss dearly btw. Lol. (So good on gas.) credit card application....denied. Store department credit.....denied. Va loan....denied!!! Then I continued like that. Not caring. Then I got a job where I needed to get a Secret Clearance. (Dont ask me where I work its a secret lol) and guess what is required to have to get a Secret Clearance??? Yep GOOD CREDIT!!! So then it became real for me I needed to fix myself to better myself. I started paying off my debt again, slowly. This time I approached the smaller accounts first. Still it was tough. I had to make sacrifices spending elsewhere. It sucked. But then Beachbody came along. This opened a HUGE DOOR for me. With Beachbody income I was knocking out debts like crazy!! I was even able to get on the phone with the lawyers and negotiate my debt! Yeah I was paying them off and paying less than I owed because I had capital!! Thanks to beachbody! Im coming up on a year with beachbody. Just two more months. Let me tell you this, I am COMPLETELY bad debt free!! And I mean completely. I have been for a couple months now actually. I have been watching my score slowly rise over the past 2 years. Today I am officially in the 600s. Still a fair credit, borderline poor, but I AM MAKING PROGRESS! I havent had a credit card since 2005, I applied for a credit card over the weekend, yep, I got approved. It would have taken me at least 2 more years to clear my debt had I not started Beachbody!! Oh man am I so grateful!! Yes I got my clearance, and yes now soon very soon I will be in the market of buying a house. New goal set today.....I will be in the 700s in less than 10 months!! Watch me!
Posted on: Mon, 14 Jul 2014 13:14:08 +0000
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