I just wanted to thank everyone here who posts freely and willingly to help others unselfishly. Thanks in part to your tips and encouragement, I have gone from near despair to living again.
Many people post about their credit. It is so important whether you are investing or not. I do not miss those collection calls. With persistence and sacrifice, I have paid off all my debts, saved, bought a home, and re-established myself. In less than 2 1/2 years or so, I have done that and more, and have a long life ahead of me. When I checked my fico recently, I have added almost 200 points to my score.
To those of you just beginning, be crystal clear about your goals, and the price you will pay to get there. I ate many PB&J sandwiches to pay off my bills.
Also remember to learn the lesson the first time. Be responsible, and have cash reserves.
I saved money first, then applied (reluctantly) for credit. I only charged what I had money for, and never went over 20% of my credit limit.
FYI, the cards I found ‘easy’ to get were Home depot, and a department store card. (macy’s/dillards type) etc.
good luck to everyone, and thank you.