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Hello! So I had an nearly 700 credit score rating proper earlier than the pandemic. I used to be making good cash and on high of all my accounts. Then, the pandemic occurred and I used to be laid off, and with unemployment I continued to pay what I may nevertheless it wasn’t sufficient. My ex on the time who was serving to with payments bought laid off as properly.
I want to maneuver out in 5 months and sadly being in California EVERYWHERE checks your credit score. I’ve an amazing job now paying greater than my outdated one and I’ve been working so onerous to pay balances down. I put $1000 on bank cards alone within the final month. However between making an attempt to restore credit score, and saving to maneuver out, I’m drowning.
I’ve as a normal image:
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Uncover card at $1,060 steadiness.
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Self lender card at $965 steadiness.
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Automobile Cost that’s present ($405 a month).
Collections:
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$170 assortment from progressive insurance coverage which I’ve by no means had, and I’ve disputed a number of instances however they hold discovering it correct. My insurance coverage earlier than was all state. I’ve by no means had a progressive plan.
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$777 to AT&T regardless that it was my ex’s account, not mine, and I wasn’t on the invoice what so ever. Someway they made me accountable.
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$3,252 from Verizon which accurately shouldn’t be there. I used to be an worker about 7 years in the past and in our handbook it instructed us that after we left the place we wouldn’t have cancellation charges. After I contacted the debtor they mentioned it was cancellation charges and once more my disputes go no the place. Even with screenshots of the handbook.
$1,700 on an avant card which they refuse to assist me with any kind of association or options. They’re mandating I pay the entire steadiness or nothing mainly.
$150 on Citi, which I used to be about to repay however they bought it to a debt collector after telling me they wouldn’t if I paid it this month (I’ve a BBB criticism with them proper now).
I’m truthfully about to file chapter however I’d prefer to see if there are any ideas right here in getting it up sufficient to maneuver out. I’m not doing a roommate state of affairs as me and my husband and our animals are attempting to flee one.
I make properly sufficient for lease however I’ll by no means be capable to get a spot with my rating if I can’t get it up in 5 months (485 equifax, 520 FICO).
Ideas or ought to I am going chapter?
Thanks!
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