I had 4 cards at the beginning of the year totaling about 14 or 15 grand in total...
Im not boasting, but I don't have anyone to talk to about stuff like this
, who can actually relate.
I've been on here reading a lot of post and I have been inspired by a lot of you guys on here.
I am very happy to say, I finally paid off my last one this month which was a little over 3 grand. I am done with credit cards for the rest of my life. I notice my Credit rating jumped from 350 to 730 or something, so it went from "Poor" to "Good", which is a big accomplishment to me.
I have one payment, I think around 2 thousand but thats in collections for a few years now.
These people have been stalking my poor grandma (since I am now out on my own and they can't contact me).. i am willing to pay that off, but do you guys think I can negotiate something smaller, say $1000 if I pay it off in one lump sum? I don't want to pay that off at all, simply because it was not my fault (long story)
, but I came to the conclusion that I must.
The only thing that I have to worry about now is setting up payments for my school loans, which I am not too worried about, I can take my time with that. The credit Cards ARE SIMPLY EVIL AND HOUNDING!! and it had to go before anything else.