Eric's Credit Community

The Person: I'm from West Markham, Illinois but I have lived in various areas of North and South America throughout my life. I moved back to Rochester, New York this recent July to primarily to live there?secondary, to re-attend the Rochester Institute of Technology as a Computer Science major. It's been a good year more or less, especially for my first time living completely on my own. I will confess that it has been difficult juggling school, work and play but I will also confess that I have been happier than I have been in years.

The Credit Grade: First of all my credit grade is HR because of two reasons that I have found:

1. My credit history is short (started ~2 years ago when I was 18).

2. The few credit cards that I have are highly utilized (books are expensive).

But there is one good factor:

1. I have no delinquencies at all.

The Income: I freelance as a web developer, assist as a systems administrator, I am an author, I am a custodian, I help my family with their electrical business when I?m home during my free summers and lastly, because my father fought?and was wounded?in Vietnam I get Social Security Benefits. This nets me around $20,000 on a bad year.

The Outcome: I have a bill from RIT for $1,300 that I?d like paid off. I have $1,300 in credit that I would like gone as well. I owe an understanding gentleman $1,000 which he lent to me in when I was in a tight spot. I will use the rest of the money to visit and help my grandmother who has hit hard times.