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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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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no subject