I have made mistakes in the past with bills. I really didn’t care about my credit. I am now 32 and have a credit score of 545 and have woke up to my stupid past.
I have 14 derogatory things on my credit report. Most of them are not even over 300. I am making payments on 4 different collection accounts that is costing me about 200 every two weeks. I am divorced and now having to pay for me and my ex-husbands mistakes. Which is fine I understand I should have to but shouldn’t he have to also?
The collection accounts say I am resposible for every thing he did even when we were not living together. For example I made arangements with an agency that had multiple accounts of ours together but one of them was from when we were separated for a payday loan for 1000 that was just in his name they say that I have to pay it or they will garnish my wages.
Since I am a single mom and have had that done before I know I can’t afford to have it happen again I agreed to pay. I gave them all of his information but it doesn’t matter. A lot of the collection accounts on my report just say collection but doesn’t state who its from. They have a balance but say closed. What does that mean?
I know I have made mistakes but I am trying to make it right! Should I contact the remaining accounts even if they have a low balance? If they are already closed will it hurt me more to reopen them? I heard it hurts your credit more to pay them. I feel like I have broken a mirror and now get 7 years bad luck from when I started to make it right.
I am just confused I don’t want to have to go to instant credit places anymore! They take advantage of people like me. How do I make them go after my ex? I can’t sue him he doesn’t have anything to take. Over 10 years I left him 3 times until I finally gave up and got divorced. And now I have to keep paying for the mistakes while he gets off scott free! I am so upset and don’t know which way to turn!
How do I raise my credit score when everything is in collection?
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The AnswerHow Do I Make the Collector Go After My Ex-Husband For His Debts Instead of Me? - Sarah by Steve Rhode