I went through a stretch when I moved to California originally for a job where the dog got sick, then the car broke then the dog got sick again and the California job was my first full time job so I had to put it on credit cards. Then as most people find it is EXPENSIVE to live in California especially when you work for a minor league baseball team.
Well I got a balance built up and now that I have moved to Nashville I have bought a house and have been trying to pay down the balance but I end up with nothing or some times less than nothing at the end of the month. I always pay my bills on time have have a good credit score (720, 717, 720) but if something happens or I want to do something I have to put it on credit and I just can’t escape the cycle because of the high interest rates (the balance never goes down enough).
If you have good credit, always pay your bills on time how do you escape the high interest rate cycle so that you can actually make some headway? The Lending Club doesn’t work with folks in Tennessee and I have talked to folks at a bank about a debt consolidation loan and they said no, the debt consolidation groups/advisors make me a bit nervous because you are loosing control there and they never want to talk about long term affects of their services.
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