Hello all! I am new here and just getting started on the road to credit repair. I am tired of having lousy credit and I have decided to make a life change and get it fixed once and for all! Things have gone down hill the past few years. I used to have a $120k a year job but 5 years ago got laid off and have only just got back into the 80's a year ago. It has been a rough ride. We also lost medical insurance for a while and had many medical bills pile up. I have a $20k plus Bank of America credit card that is in collections and a bunch of other collections. We were living just at our means 5 years ago and things really went south when I lost my job. The good news is that I was able to get out of my home loans through sale of our properties. So no foreclosures. I also have no bankruptcies or civil cases. Just a BOA credit card in default and a bunch of medical bills. I am committed to seeing this through no matter what the length of time required. I recognize it will take some time but I am sick and tired of being worried about credit. I want to get back on the plus side of 700 for my credit score. I have read all of the info on this site and will use the search feature as much as possible but I imagine I will seek help from time to time. Lastly, I would like to thank all of the people here who respond to others questions! This site is awesome help. I already feel inspired! Thanks
Welcome to the community, and we're glad you found our site too! We wish you the best of luck as you begin your journey, and I'm sure everyone here will be eager to provide their insight whenever you need some guidance.
