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I'm almost to my goal of paid-off credit cards and low utilization. YES!
Previously, I was under-employed, by choice, as part of my plan to return to school. I did not design that endeavour too well and the results were credit card defaults and other missed obligations. I sat on that bad history for a while but eventually got some sense and got brave enough to contact my creditors and work out some solutions.
I'm now employed at a level where I should be and I've been able to make significant improvements in my overall credit profile. I believe my biggest hitch right now is this Bank of America credit card. Ugh! I made attempts for a win-win situation but I received a loud-and-clear NO. Ugh! And Lord have mercy, the interest rate is high and mighty!
I hope to receive my loan request so peace may reign between BofA and myself. Please help make this monumental event come true. |
