My credit is pretty bad too. A lot of people are having financial trouble right now. I guess the only advice I have is to be thankful for what you have, and realize that millions of others are in the same position and it won't be this way forever.

thank you for replying! i really needed that.

i am just angry at myself for the unnecessary debt i collected... then at circumstances right now for n ot allowing me to pay it. all my firends seem to be doing well right now and i am a loser

The good news is that you are young and have plenty of time to rebuild your credit. I know how much it sucks to have financial problems. Money sucks - especially when you don't have any. O am in the same boat right now actually. Have you tried a credit counseing agency. I would recommend Consumer Credit Counseling because they are actually very reputable and are non-profit. Also, I admire that you don't want the mark of bankruptcy but it does come off your credit after 7 yrs. and hionestly it is better than just not paying your creditors. Good luck to you whatever you decide to do!

I graduated from college and for over a year couldn't find a job. So I went without making a single credit card or student loan payment for the entire time. I had to borrow money from my grandmother at least 3 times just to eat and make it to job interviews. Everyone goes through financial struggles at one point in their life. Just keep trying and everything will work out. Besides, credit card companies and banks have too much money as it is :) Even Donald Trump went bankrupt.

I've been the bankruptcy route; it's not fun but it's not the end of the world. Having your phone constantly ringing with nasty collection calls is way worse. I was drowning last year....luckily I found a way out and got most of my debts paid off, but I know that feeling in the gut, the sleepless nights, the thinking that they'll come and take everything, garnish your wages, leave you destitute....

Like batdog says, look into credit counseling. I did it for a while and they were helpful. And it's true, just about everyone is feeling the pinch. Just because your friends "seem" to be okay, doesn't mean they are. Don't worry about what others are doing or not doing. Hate to say it, but your boyfriend is right, in a way...it WILL turn around, but right now is what you're concerned with.

Im sorry you are experiencing financial issues. So many people are in the same boat right now. Please do whatever you can, but my advice is to stay away from bankruptcy. My husband filed over 7 years ago and it is still on his credit history. I didnt file with him but he did on advice from a lawyer who talked him into this and abandoned him, instead of helping like she promised she would. It has been pure hell, rebuilding his credit and it still is. We were able to purchase our own home, but that in itself hasnt been the greatest thing for us either. If you do decide to file bankruptcy, do research and talk to as many people as possible. He didnt, even with me begging him not to file. Hope you can find a plan and things look brighter!

i have considered credit counseling... but the one time i talked to a company (can't remember which one) they seemed to pressure me to much into doing their plan instead of helping me. thank you all so much for your empathy right now. i think that is what i really needed at this moment (besides a million bucks!)... just knowing that i am not alone. i know this,,, but it is nice to have it confirmed.