I am heading into my sophomore year in college and so far so good. What isn’t good I’m afraid is my credit. You see right before I graduated high school, I got my first credit card and had a blast with it, a little too much of a blast with it. I liked it so much I got another one, and so on and so forth. Over the past year I have racked up about $5,000 worth of credit card debt. Now I am in too far over my head. I work, but I have to pay my bills all summer since my student loans won’t cover my living expenses through the summer months. My credit is completely maxed and I am having trouble just trying to pay the minimum payments on my credit cards now. I have companies calling me, which is really driving me nuts. I recently tried to get another credit card, one that I could possibly take a few cash advances off of to try and pay some of my bills, but I was declined. They offered me a free credit report, but when I received it, it may as well have been written in Chinese and I just tossed it aside. I will have to wait until I have my degree to figure it all out. I mean the least they could do is write the credit report so you can understand what it says, don’t you think?
Anyway, I looked up credit repair online but I really don’t know where to turn. I mean my parents taught me that my credit score was the most important thing that I have going for me and now I think I have blown it. I mean when I look up credit repair, it seems there are a lot of companies out there that could maybe help, but how can I sort it all out? I could really use some advice, but unfortunately I can’t tell my parents about this, they would kill me, and I really don’t have any friends who could give advice on this subject. I think maybe I will try to call someone and see what they say. I mean it really can’t be any worse than the situation I am right now. I really know that if I don’t get help soon, I will be in really big trouble, at least my cards right now are still open, I am afraid if they close them, I will be in real trouble.