Can anyone offer advice about rebuilding my credit?
I am 22 years old… and I have really really bad credit… It all started on the day I turned 18 years old. I tried applying for a credit card online and was denied. So I tried again and again and again, and was denied for every single credit card I applied for. That resulted in millions of inquiries on my credit report.
To make this long story short, I have about 10 things in collections because I didn’t pay the bills (including 2 banks that I owe about $ 700 each to because of bounced checks). I am in such a bind because creditors are calling my house everyday and it’s not a life I want to live anymore. It’s embarrassing. I tried using a debt consolidation program, but I couldn’t even make payments on time to them and they terminated my account. I am not looking for someone to “tell me off” on here, so please spare me the added stress. My mother yells at me almost every day about it, and I just can’t handle it.I know I made mistakes. I am trying to fix them before it gets out of control even more.
What should I do? AHH!