My husband had cancer and the bills relating to treatment were close to $100k. Credit cards went unpaid because a roof and his health was prioritized. He's healthy now and we're working on paying off the final $3800 of medical bills. My credit has gone from 720 (BC - before cancer) to about 540 (AC) depending on the credit reporting agency. I worked hard to increase it to buy a house - Boost, a $500 secured credit card and making 2 payments a month (learned that here- thanks!), pay off credit cards that are now charge offs unfortunately, and now medical debt. I got it above 620 to get the mortgage approved and it's taken a hit again after we bought the house, down to 593! I've been working hard to pay down debt to increase my credit, but now I'm stalled. Nothing seems to be working to increase my scores. Now what? I'm reading don't pay the medical debt because it's worse on my credit report, same for the credit cards but that's too late now. I need to increase my score so we can catch back up. APR's are outrageous with bad credit and we need to finance a car in the next several months before ours breaks down. I'm hearing about Self, but does it work? Any help, advice and/or recommendations would be greatly appreciated. Thanks!
Submitted May 20, 2021 at 12:57AM by DifficultEmu7167 https://ift.tt/3yyvweb
