I have nine dollars in my bank account, no job, no way to transfer money that *should* be available to me, the credit protection that I've been paying out of the arse for can't be used unless I'm unemployed for 30 days, and at least four bills due out this week.
i wish it was june and i had money to send you. is there no way you could do last minute work for cash? check craig's list? anyone who float you a temporary loan?
I leave, like, tomorrow or really, really early Sunday morning. There's no way for me to pull out a job for a day. And everyone I know is either really tight on money, or I was the one floating them on money.
I mean, I know I've always been flighty with my spending, but I've worked so hard to keep my credit decent. And now I can't pay anything, and my credit is just going to fall. Damn it.
And I'm not succeeding with the not crying, either. It's all just. Really sucky.
ok, with the credit, you shouldn't worry too much. first, credit card companies only report you as late on your card payment if you are a full 30 days late. second, yes your credit will dip if you are late, but if you get back on top of paying the bills again everything will even out and it won't be a long-term dive.
to put it in perspective, people who have been through bankruptcy can, within a few years, recover their credit score to within the national average. nothing you do right now is permanent, not even close. people say it takes seven years for something bad to drop off of your credit report, but while that is technically true, the fact is that every month your credit has the potential to change, since new information is put in every month.
so, even if you have something in collections that you've decided to not pay (this is bad, obviously), as time progresses that collections account will have less and less impact on your credit. for something like a couple of late payments recovery is a lot more quick.
if you want to talk about this stuff in more depth we can always go over it.
*hugs again*
but, don't even begin to think you've permanently fucekd up your credit. it's just not possible.
1) I love you. 2) She's totally right. This might hurt your credit some, but it's nothing that can't be overcome in less time than you'd think. 3) You really terrified me. I thought something awful had happened and you weren't going to be able to come with us. 4) I still love you. 5) Everything is going to be fine. And if it isn't we'll figure it out.
1) I love you, too. 2) It's just that I worked so damn hard to keep from screwing it. It's a terror thing of ending up like my mother. Completely irrational, but I just can't help it. 3) I'm sorry I really terrified you. But I'm really terrified myself, truly. 4) I still love you back. 5) I have the best friends in the world, seriously.
Ok, First... have you called your cards and explained the situation? A lot of times, even without your uber fancy protection, the companies will put a hardship note on your account and hold off reporting until the situation has resolved. Call every company that you are going to be late with and tell them what's going on, because most companies seriously will work with you.
Second: answer your phone!!! I can't help you if you don't answer!
Third: calm down. Like ishuca said, bad credit isn't forever, and you will so make up for it once you get back on your feet.
Fourth: We all love you and will help you any way we can.
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*hugs*
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I'm really trying not to cry. *laughs*
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*hugs*
i wish it was june and i had money to send you.
is there no way you could do last minute work for cash? check craig's list? anyone who float you a temporary loan?
*hugs again*
i know exactly where you are, love.
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I mean, I know I've always been flighty with my spending, but I've worked so hard to keep my credit decent. And now I can't pay anything, and my credit is just going to fall. Damn it.
And I'm not succeeding with the not crying, either. It's all just. Really sucky.
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ok, with the credit, you shouldn't worry too much. first, credit card companies only report you as late on your card payment if you are a full 30 days late. second, yes your credit will dip if you are late, but if you get back on top of paying the bills again everything will even out and it won't be a long-term dive.
to put it in perspective, people who have been through bankruptcy can, within a few years, recover their credit score to within the national average. nothing you do right now is permanent, not even close. people say it takes seven years for something bad to drop off of your credit report, but while that is technically true, the fact is that every month your credit has the potential to change, since new information is put in every month.
so, even if you have something in collections that you've decided to not pay (this is bad, obviously), as time progresses that collections account will have less and less impact on your credit. for something like a couple of late payments recovery is a lot more quick.
if you want to talk about this stuff in more depth we can always go over it.
*hugs again*
but, don't even begin to think you've permanently fucekd up your credit. it's just not possible.
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2) She's totally right. This might hurt your credit some, but it's nothing that can't be overcome in less time than you'd think.
3) You really terrified me. I thought something awful had happened and you weren't going to be able to come with us.
4) I still love you.
5) Everything is going to be fine. And if it isn't we'll figure it out.
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2) It's just that I worked so damn hard to keep from screwing it. It's a terror thing of ending up like my mother. Completely irrational, but I just can't help it.
3) I'm sorry I really terrified you. But I'm really terrified myself, truly.
4) I still love you back.
5) I have the best friends in the world, seriously.
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man...
Re: man...
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Second: answer your phone!!! I can't help you if you don't answer!
Third: calm down. Like ishuca said, bad credit isn't forever, and you will so make up for it once you get back on your feet.
Fourth: We all love you and will help you any way we can.
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2) I'm sorry! *grovel*
3) I'm calm, now. It was just hard getting past the impending sense of doom and the general feeling of uselessness.
4) You are amazing. Thank you so much. *cries on you*