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Paying debts helps but not doesn't guarantee your credit score will gain points. There are a few factors that determines what your credit score should look like.Read More...

@Moore Income I will, thanks.Read More...

I believe you are doing it right but there must be something wrong. Just focus on minimizing your credit utilization to a 10% instead of 30% for a few months and avoid closing any open credit cards. I have a credit score of 785 and only two credit cards but it took sometime before I was able to achieve this.Read More...

I am not familiar with this but now that I know I will research. Meanwhile, could it be because you froze your report and might be preventing it from updating?Read More...

@Ray Taylor Tetreault , that's one of the best things she could do. I've never tried the Credit Counseling service, though both my wife and I worked in that field for a short time after we were married. Of course, back then, it wasn't as highly regulated as it is now, and people didn't always get the best advice, though we always tried to get them the best advice possible.Read More...

It sounds like the biggest budget busters are the credit cards... 52.6% of income. Have you thought about consolidating those total balances into a lower interest personal loan for a fixed time period and/or sought help from a legitimate Consumer Credit Counseling service to lower the interest... and payments?Read More...

Jeff- Please don't take my comments and/or suggestions the wrong way, as I have been in a similar situation. Regarding disability - Social Security - My wife does not have enough work credits for regular social security and has been deemed that her medical issues do not warrant approval for disability insurance. EVERYONE gets denied the first time. Get in touch with an attorney that specializes in this. They will do a consultation for free, and only take a portion if you win. On a different...Read More...

How much do you pay towards your CC's each month? It is not ideal, but depending on the amount - you could skip paying them in order to keep your electricity on. I mean, it is the 4 walls. If you can't have a necessary utility on in your home, you don't have the money to pay towards CC debt. Sad to say, but true. Of course, that is going to create its own mess that you will have to figure out. But seriously, how did you let your electric bill get past due by over $3k? That takes quite a...Read More...

Thank y’all soooo much!! I’ve done a lot of these mentioned. Mystery shopping, posh Mark, selling stuff. just kinda looking for some new ideas 💡Read More...

Contact your congressman or senator regarding resources available for fixed income & disabled. I’m on Ssdi as well, but disability retired from the federal government - so my pensions were a bit higher. You can also work up to a certain amount per month before they start to count the monies you earn against your pension. Go to Ssa.gov for additional information about these programs. Best of luck!Read More...

Thank you for the warm welcome everyone! I am happy to be here and excited to get to know each of you better. Please don't hesitate to reach out if you have any questions. Briana, you will be missed! Good luck on your next endeavor.Read More...

Congrats and Best Wishes. It was equally a pleasure getting to know you over the past year. Hugs from Ohio. /raytRead More...

Try to only get the things that you need rather than what you want? Have you tried to make a list of your expenses? It will be better if you add more details with regards to this concern.Read More...

From my personal experience and believe me it's been more than a little bit the nice thing about the government is that they always tell you the reason why. The reason for why they say yes and even more why they say no. They use code numbers and for the complete details you need to look them up, which is a real drag but necessary. Once you have read and understood the information all you have to do is make it happen. That's all I dare say. As others have said gather up all your proofs,...Read More...

I have been on disability for about 10 years now. I would be happy to give any info i can on my experience with ssdi. Working part time is a possibility and you can work and receive ssdi if you make 1200/mo or less.Read More...

Thank you. I've tried several including Lincoln Law. Nothing. I had several car purchases, two homes, furniture and the array of things someone in their 50s would have. I wouldn't think so, however, they were breached and I was rendered a zeroRead More...

Not sure what happened. But most rent and utilities dont get put on your credit report and won't reflect in most credit score models. The equifax breach wouldn't have made your score disappear. Try credit karma or another site to track your score.Read More...

I was breached. My credit scores were also completely erased as if they never existed and im still desperately trying to get them back as I wasnt to purchase a home. Since then, no matter what I do, I still have no score. Looking for answers to resolve yours as at age 58, no score is beyond bad creditRead More...

Everyone in my house was breached. I won't take the credit monitoring service. I kinda feel it's like asking the chicken to guard the hen house. I mean, if their security protocols were so great in the first place, none of us would be having this conversation.Read More...

Hey @Joyce Taylor I really think you would benefit from the upcoming online events about work-from-home jobs. The host, My Employment Option, specializes in finding people on SSI & SSDI legit remote work. They have certified benefits counselors that can help you navigate your benefits and the job hunt. I highly, highly recommend you check out the webinar and the career fair. The webinar is about finding legit WFH jobs, this Thurs. at 3 p.m. Eastern. The following event is a virtual job...Read More...

I can't work either because of a illness. I am on SSI, and i would love to work from home.I have been doing these surveys, commenting of some web sites, that don't pay nothing but pennies.Read More...

Here in Canada they have Shoppers Drug Mart points card ,when you buy merchandise they give you point , I have now over $100 in credit to purchase any items from the storeRead More...

I use Ibotta and Shopkick. Both take time to accumulate a payout,but every little bit helps. I am going to try Coin Out . Thanks for the tip!Read More...

Out of all the replies I have read, I like the one from Kerrye the most. But I am going to keep reading.Read More...

I have three accounts at my bank. One is savings(emergencies), one for bills, and then one where my checks are automatically deposited. I just transfer a set a amount every month from my account into the other two accounts. Anything left in my account I can spend.Read More...

I know what you mean by struggling with bills. I have Medicals bills, I am trying to pay off, I just keep on working online until. i have some money to send my creditors.Read More...

Hello @Karen White nice to meet you! I understand the struggle of trying to pay off debt! Just when things seem to be getting under control, something else seems to come up and set you back. I just encourage you to not give up hope! It will take a lot of work and effort but it is possible. If there are any specific areas you could use help with or need any tips or pointers please don't hesitate to reach out here on the forum. There are lots of friendly folks who are willing to be of help in...Read More...

I and my sibling recently opened a joint account. We are required to deposit $200 to help each other save. My brother is one millionaire the primary reason why we decided to open a bank account. This will help him save since among the three of us he is the one who loves spending all his money with branded stuff.Read More...

MOORE INCOME thanks i missed that postRead More...

If you're serious about wanting to blog and make money I'd start learning everything you can about affiliate marketing. Check out www.makingsenseofcents.com or www.ruthsoukup.com . You can learn some stuff from free on these sites but to learn more you'll have to purchase the classes, which aren't necessarily cheap.Read More...

I hope you will find you interest, in blogging I would love to, do that myself I have searched on websites. But most of them want money to join.Read More...

You have helped me out a great deal, with my question I thank you a lot for this.Read More...

Hi Joyce, You can earn points by engaging within the community...posting a new thread topic, posting comments on existing threads, sharing on social, etc. Does that help? Also, you might want to check out the FAQ info in the Get Started section. https://community.thepennyhoar...reference-guide-faqsRead More...

Thank you for your suggestions and incite on my issues.Read More...

I can't guide you on non-comforming financing but a good, experienced mortgage broker might be able to help you. They would not be working for bank financing departments but instead look to mortgage companies where there are usually a lot more options for types of financing. I don't suppose the current landowner would be willing to hold a mortgage note? At least until the mobile home owners can move the mobile home. It is kind of you to keep their concerns in mind but I have a feeling you...Read More...

Step 1 would be to stop feeling regret and wishing you can go back and change things, because reality is you can't and the sooner you can accept that the sooner you can move forward. Step 2 is to take a look at your situation and come up with a game plan and break it down into steps. If you feel overwhelmed, you may need to start with small short term steps so that you can build your confidence and work on feeling positive.Read More...

If you are able to dissect why you are in such a tough place, maybe start with 1 thing you are able to change and hit it hard. It takes a lot of strength and discipline, and you can't quit. If you feel it is an insurmountable situation, you'll have to depend on someone else doing it for you. Do you have someone like that in your life?Read More...

I wish I had advice for you.Read More...

Talk to your credit card companies. Explain your financial situation and ask if there is anything they can do to help. Many will lower your interest rate for a period of time and/or waive current late fee balances to give you an opportunity to catch up.Read More...

To credit card save moneyRead More...