So i'm just starting to look into my credit score after my terrible 20's. i did things that hurt myself with false promises from friends and family alike. no one i know even knows how credit scores work and i've attempted to try and understand it myself but it is still very confusing to me.
To get to what is currently confusing me is my closed accounts. i have 3 closed accounts on my credit score currently with no number to call to try and work out payments with and i don't see any option to try and work it out. all i have available is a way to dispute it. According to Google, i saw that closed accounts will drop off your credit score 7 years after the date it was closed. the oldest closed account i saw was closed back in 2015. is that right? how do i even know if it will actually close? i have plans and i really don't want to wait until another 3 or 4 years pass because that just seems lame to me.
And for those who say anything, i was young. i loved my family and friends and i was in a position to help them. i was given promises by them to help me pay to save them from bad marks on their credit scores but they literally threw me under the bus. Now that i'm beginning to recover, my credit score is slowly but surely climbing up again i have them suddenly wanting to be friends again. i did become friends for a while but when they heard my several "no's" to their request for using my credit score i was suddenly once again an outcast. which i'm fine with. i really don't want them messing up my life anymore than they already have. Just so you all know that they did come back and i was stupid and now i'm trying to fix my stupid.
tldr: My credit score was hit badly by decisions made from manipulative friends and my inability to say no. Now i'm trying to fix my credit but i don't understand how a closed account works. Any info for me?
Submitted January 12, 2019 at 01:23AM by IzzyNightmare http://bit.ly/2VMVKWL
