Credit Score Kick in the Tail

This week I decided to get brave and check my credit score.   I've been afraid to look at it for a couple years now because I was pretty sure it was pretty ugly.  And I was right.  I expected it to be bad, but not THIS bad.  My credit was beautiful just 3 years ago. 

I guess the good news is that my credit score can't get any lower because I've obviously been trying my best to reduce my debts. Also, I now know the exact total of my outstanding items.  I also see that I don't have any collections companies after me.  Another good thing is that every account on my credit report is something I recognize, so I don't have an identity theft problem.  And although I have annoying debt, it's not as bad as some other people have it.

The terrible news is that since my last entry here, three of my four credit are now closed by their respective companies.  Ugh.  The frustrating part about that is that I've been paying toward them, but just never able to pay the $250-$375 minimum payments in one lump sum.

But although that sounds awful, I've been doing a better job of keeping up with all of my accounts.  I definitely have not made as much progress as I plan because every time I think I'm going to knock a $500 dent into one of my accounts on my "free" payday, some unexpected bill pops up or my car needs all these repairs.....if it's not one thing, it's something else, as they say.

It's not worth it to post my current balance here because there hasn't been that much progress.  But I'm getting somewhere.

In other news, I've been aspiring to work two jobs to achieve this debt reduction goal.  In my area, it just feels hopeless though, because most of the facilities with openings in my field are owned by the company I work for. So out of frustration, I applied to work in a bigger city a few hours away.  I got the job!  It's going to pay a little more and there is more opportunity for people with my job title, so I'm hopeful that I can get a second part-time job and work my tail off this year.

Maybe next time I'll have made some bigger financial strides.