DavenJuan
Master Don Juan
In hopes this thread isnt moved i wanted to post a bit about myself and hope some of my fellow MM might shed some insight on a few things for me, so here goes...
As you know i am 26. I lhave lived on my own out of my parents sheltered home since i was 18. my issue is i have debt and it is hendering me in so many different ways. How can i ever be 100 percent confident in my endeveours when i know financially i am a complete mess?
However i made some progress today.
I requested 3 of my credit reports and disputed a few negative reports on each of them.
i have about 11 negative accts and only 1 positive acct. the 11 accts are totalling somewhere around 12,000 ranging from 70 dollars to 5,000 dollars for particular accounts.
i am so sick of being suffocated by this debt. it is a barrier to me in so many aspects in my life. the obvious no credit cards that i get declined for, and also no able to open a checking acct due to a delinquent account. but also my profession. I hold a significant license to sell stocks and bonds but no one will hire me based on my credit. I have a great job now, however there is no room for progression because of my credit.
with that said, i cant take it anymore. i need/HAVE to get this out of my life so i can be the man i know i am. The problem is where to start.??
-do i pay the small accts off first or the higher balanced ones?
-some accts are coming off as early as late year 2009...do i not bother with those accts?
-im also working on a fixed income..so only a very small amount of money a month can go to these delinquent accounts
bottom line is , i WILL get all of these taken care of. i plan to come up with a plan to have all this paid off within the next year, 2 years at the most. my biggest fear is that im 30 years old and still in the same situation i am in today. all of this debt came from when i was young, 18 - 19 yrs old racking up debt like no other and im still paying for it almost 8 years later.
just wanted to share, vent a bit, and see others thoughts or similar success stories..
a bit of reassurance is always a good dose we all can use.
As you know i am 26. I lhave lived on my own out of my parents sheltered home since i was 18. my issue is i have debt and it is hendering me in so many different ways. How can i ever be 100 percent confident in my endeveours when i know financially i am a complete mess?
However i made some progress today.
I requested 3 of my credit reports and disputed a few negative reports on each of them.
i have about 11 negative accts and only 1 positive acct. the 11 accts are totalling somewhere around 12,000 ranging from 70 dollars to 5,000 dollars for particular accounts.
i am so sick of being suffocated by this debt. it is a barrier to me in so many aspects in my life. the obvious no credit cards that i get declined for, and also no able to open a checking acct due to a delinquent account. but also my profession. I hold a significant license to sell stocks and bonds but no one will hire me based on my credit. I have a great job now, however there is no room for progression because of my credit.
with that said, i cant take it anymore. i need/HAVE to get this out of my life so i can be the man i know i am. The problem is where to start.??
-do i pay the small accts off first or the higher balanced ones?
-some accts are coming off as early as late year 2009...do i not bother with those accts?
-im also working on a fixed income..so only a very small amount of money a month can go to these delinquent accounts
bottom line is , i WILL get all of these taken care of. i plan to come up with a plan to have all this paid off within the next year, 2 years at the most. my biggest fear is that im 30 years old and still in the same situation i am in today. all of this debt came from when i was young, 18 - 19 yrs old racking up debt like no other and im still paying for it almost 8 years later.
just wanted to share, vent a bit, and see others thoughts or similar success stories..
a bit of reassurance is always a good dose we all can use.