Quote:
Originally Posted by hopelesslyflawed
I am supposed to receive $1252 a month from him. Currently I receive $437.
I have one secured credit card with a limit of $200 and a balance of $140
tax-refund I get an average of $6k back.
my refund of $5700
So, I can't get my credit score to go any higher
|
I know little about buying really cheap cars, so I'll let others address that. I will weigh in on a couple other aspects of your post.
I would be aggressively pursuing the lack of support payments by whatever means necessary. Wages can be garnished for deadbeat dads. Getting the payments that you are due would help your situation tremendously.
I would use at least a little of your refund to raise the limit on your secured card. Then, do your best to not charge more than 30% of the limit. That may help your credit score a bit. Using too much of your available credit lowers your score. Right now you are at 70%.
STOP getting a 6k tax refund!! That is $500/month that the IRS is holding interest-free instead of you having it available to pay your bills. Adjust your withholding so that doesn't ever happen again.
Good luck.