I have been working hard to try to figure out how I am going to pay off my debt. It seems that everyone I talk to just tells me to do balance transfers and put the money on a new card. Unfortunately it’s a little late for that as all of my credit card debt is in collection accounts. Yes my debt is that bad, that is what happens when you lose your job and can’t find one for over a year, twice!

I’m slowly working on it, but it’s just not happening fast enough. I was thinking I might try to take a loan out on my car, but I don’t know if I want another company checking my credit, since that brings down your score too. I hate that, why can’t they give you a few free ones? Someone who is trying to get a loan or a credit card to help build their credit is just screwed and gets a credit score that is even worse. Really I think the scores favor the rich who have money, not the ones that need the credit.

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