I'm hoping to get some kind of advice that I can pass on to my roommate... she's not a dancer so there wasn't a chance in hell I was giving her the site link and losing my safe zone of stripperness BUT some people on here have insane amounts of knowledge and I would like to be able to help her, despite the fact that she is a bit of a disaster (see, I can't say things like that if I point her to the site lol!)
She is only 22 and still in school so she works part time (she's a waitress or seating host or something at a restaurant), and the other day she told me she hasn't been making payments on her credit cards. She doesn't take that kind of thing very seriously and so I explained to her about credit scores, buying a house/car in the future etc, and she looked up her score and it was awful. Now she's panicking and wants to fix it, but she doesn't know how. I've always made at least the minimum payments on my cards so I told her to keep that up, and then she said that she hasn't even been paying that on any of them in months. Apparently they call her a lot but she avoids their calls and they only have her old dorm address for mailing *facepalm*
By not paying, they tacked on a bunch of fees and now she's in a position where she can't even get them back within their limits, because all the money she can give them would only cover the over-the-limit fees and such, and she'd be struggling to make the minimum payments anyway which I imagine is why she stopped paying to begin with. She refuses to ask her parents, and so I told her that sometimes credit card places will work with customers to negotiate affordable payments etc, just so long as they can get back to at least getting *some* money each month. One of her accounts isn't available to view online anymore but the other two have numbers etc that you can call if you can't make payments.
I'm wondering what sort of stuff she could use to help get this sorted out with her banks, as in what should she offer, is there anything she can say to try to get the banks to work with her? Can she do anything to try and get on a payment plan, and maybe to get them to report to the credit bureaus that she is cooperating and making an effort to fix it?



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