At the present moment, I wish I was sure I had months to get it down. I am starting to become severely worried about my housing situation. Benny, Matt, and Spencer have been fantastic about letting me sleep/eat/shower here, but there comes a time where you feel like you have worn out your welcome even if they don't necessarily feel that way. I need to live some where. Just one serious serious thing standing in the way. My credit score.I signed up for freecreditreport.com. Yeah, the site with the incredibly annoying commercials. Generally this is considered private information, but I'll share it anyway. I have a credit score of 511. I am in the bottom 1.1%. I'm usually in the top 80% for pretty much everything. 2 years ago at this time my score was over 750. I know this because I was the first person under 30 that the guy at the apple store had ever seen get instantly approved. Now when I look at my report I have 1 delinquent account, 1 in collections, $4300 in revolving debt, and $46,000 in loans. Given, the loans are student loans so they don't hurt, but I'm sure it is a shock to see when the lender pulls up my credit. Then there is this collections bit, that is just about taken care of. It was more, but I've been paying it down so it is nearly gone. This delinquent account though... thats where the $4600 comes in. Really, should $4300 bring my score down that low? That is far less debt than most people. That and I have had a car payment for 3 years now and have never missed a payment. I wish I had $4300 right now, but my Mammoth starting wage doesn't really leave me with left overs. After that apple card, I paid it off, then last fall was forced to fill it up as well as another card when I needed to pay tuition and all those great school costs and didn't get financial aid. I charged $4000. That is not that much money. But I was only able to find a job to support the costs of living. Now my living expenses have finally dropped and I can start paying towards that debt, except there is now a huge problem, my score is so low I cant find a place to live. No one wants to rent to someone for 6 months who has such poor credit. Even when said person can hand them 3 - 4 months of it up front. I thought I had a place with 2 friends. They ran our credit. They have no credit, and well, I have horrible credit. Why does 1 number have to affect my life so much? I am generally an incredibly responsible 23 year old. I work incredibly hard. I pay things like rent/insurance/car with out an issue. I have a pretty decent GPA and a list of fantastic references. So how is it that I am here?Can I just sell a kidney? I hear they do that in Egypt. I am giving it a week, then LA I suppose. I really hope this does not have to turn into a Mt. High blog....


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