|
I am married and the mother of 5 daughters. I have been a public school teacher for the past 18 years. I love my job, because I really enjoy the kids. I've been teaching in the same school/same district for all these years. I once heard that you should find a job you would do for free, and stick with it. That's me. I would do this job for free. Unfortunately... life requires money! I am aware that my credit score is low. My husband and I are recovering from a Chapter 13 bankruptcy filed in 2003. He was a self-employed financial advisor during the Sept. 11th attacks. The resulting stock market insecurity following that time period left us really struggling as his business virtually dried up. We are back on our feet, but we are still dragging the bad credit history of 2002-03 with us. I am a tenured teacher, with a great employment history. My job, although not high paying, is very secure. I can handle reasonable payments on a loan, but the trick has been getting a loan with such poor history. The reason for such a loan: we are currently suffering from "Old Car Syndrome". We have had 3 major repairs in the past 4 months. Our monthly income covers our bills, but doesn't allow for that much leeway in emergency situations. I borrowed some money from my father to cover the initial repairs, with the understanding that I would pay him back as soon as I could get a loan. That has been more difficult than I anticipated. My hope is that I can find a lender who will accept my employment history as a greater indicator of stability than my credit history shows. |
