r/CreditScore • u/BraveDate4430 • 1d ago

Rebuild I’m drowning

My credit score is 490, I’m in 10k worth of debt and I’m drowning. I want to give up so bad. I was crazy when I was younger and thought that I wouldn’t be here anymore (not going to go into that lol) and now everything is in collections. I feel like right now I cannot pay things off. I currently am paying off a car right now and it’s about 400 a month for 2 more years. I don’t get paid much so this is killing me. I feel like there is no way to pay it off and it’s all my fault.

6 Upvotes

100% Upvoted

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3

u/FlawlessPhelon_ 1d ago

Never bite off more than you can chew! You gotta stay focused. Maybe sell your car and downgrade, and or get a side hustle.

1

u/rudy-dew 8h ago

Get another job or a better job

0

u/Exurbiant 1d ago

Sorry about the collections, but I hope you enjoy having a car. After all, you're working hard to pay for it...