I was a 25 year old African American female with bad credit.

I wanted to say thank you. I was a 25 year old African American female with bad credit. I had the credit score of 533 and it was going down hill from there. I was just getting back from Iraq and I had gotten hurt pretty bad, and was about to get a medical discharge form the army. I knew that I would be getting disability but I had no Idea that it would take that long. I wasn’t worried about my credit cards because, I had insurance on them and before Iraq I had over a 700 credit score. Needless to say that it all changed because some of the creditors wouldn’t honor my insurance. “Sears” told me I needed to have been fired from my job. I told them that my enlistmement was up and I didn’t have a job. Sears stated that they couldn’t honor my insurance because I wasn’t fired form my job. In other words I should have stayed in) I was devastated I have had this account for a couple of year and was never late. I was paying my insurance on this account in case I didn’t have a job, and now they were telling me that they wouldn’t honor my insurance. I had almost died in Iraq from an IED protecting my country, and the only way for them to honor was if I had gotten firer. That credit score of a 700 plus went down to a 500 plus. One day I came across your website, which was very insightful. I disputed some and asked forgiveness on other, and to my surprise, one by one came off. The Sears account is the only one affecting my score because I was late twice but I managed to pay the account off. It hurts but I am still young enough to have learned from this mistake. My credit score is a 683 it’s not what it use to be but, it’s not where is use to be. Sincerely, much respect
Army girl
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Dang girl....you humble me....I really do care about people and I am so glad you are willing to get your hands dirty. Most people see my advice, read my advice, even understand my advice, but VERY FEW roll up their sleeves and get in the dirt. The only way to get better is to work and you owe yourself a HUGE pat on the back.
Thanks for the update.
Bo Majors
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