thing is I had great credit last year, decided to make my payments easier and more convenient and consolidated them, not knowing that they would not pay two of my bills, and completely ruined my credit.
I now have one of my bills that did not work with my careone put it into collections, is this even legal?? anyways…
MY CREDIT HAS DROPPED AT LEAST 400 POINTS, would it go back up fast after i pay all these off or will it take several years?( if it takes forever bankruptcy is cheaper)
also-my hubbys credit score is better than mine now and he filed bankruptcy!! crazy eh.