clueless in OK, please help fix credit!

Discussion in 'Credit Talk' started by Bob Morris, Jul 18, 2015.

  1. Bob Morris

    Bob Morris New Member

    I divorced my ex , Dec of 2014, after over 10 years of marriage. She put a lot of bad stuff on my credit, to include a car and credit card stuff, while I was in prison and unable to divorce her. I can prove the prison timing easily enough. I have student loan debt, 21k, on "hold" basically, due to an "income based payment" plan. I've got an old student loan, $1400, from the 70's, which went into default, and which I am rehabbing. At ,least, it's not gone into collections! I've got a charge off on the 28k car that she bought (re-possessed after 2 years) and I also had my name on her 2 properties (now repossessed and probably re-sold) and a biz (long since defunct). I have negatives on all those, (except the current 21k student debit), none of it being my doing.



    I do have a collection that is my fault, an ATT cell phone, originally $200 and now some outfit wants $600 to pay it off. I have to pay my COLLEGE 7k (18%) before I can again get loans/grants. They've got 7k waiting on me, but I withdrew before the 2 week period was up (ignorance on my part) before getting a W on my transcript. So the school paid the Feds and I can't get back in school, anywhere, without paying off the old student loan, $1400, and the 7k to my current school.. Sallie Mae won't touch me without a cosigner, which I can't get. I'm 62, on SS retirement $600 per month and VA disability (currently $130 per month but a new award is supposedly taking that to $600 per month). I live in public housing on $200 per month rent.



    So, I'd appreciate any advice as to what to do, where to start, etc, about cleaning up my credit and getting back the ability to get more school loans/grants. Thanks for any replies.
     
  2. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Hi Bob, I see that your question wasn't responded to in the forum. Can you give me an update on what actions you have taken since July to clean up your credit reports and repair your credit scores? If you can provide me with an update, then I'll do my best to provide some guidance for how you might want to proceed. Divorce situations are often really tough to deal with because you get stuck relying on the financial responsibility of one partner, especially since you were in prison and unable to do anything about it. I hope to hear from you soon, and I'm sorry your question was missed somehow.
     

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