I had a little over $2,000 in debt, and I just started paying on it, and have knocked it down to around $1,200. I was excited that things were starting to clear up, but I just got a call about a $900 bill that I owe. On top of that, my credit is still fucked. When I was underaged, I allowed someone to put an account under my name and social-security number, and it was never paid off. The bill wasn't reported to the my credit report until after I'd turned 18. I thought I paid the bill off, but then I realized that the bill was split in to 2 portions. I get denied for EVERYTHING. The only thing that I've gotten approved for, is my cell phone, which I have to pay an extra $4/mo for, because of my credit. I was hoping to start saving for my own place in March (since my credit is so bad, I was preparing to put sign a 6 month lease, and pay for 6 months in advance), but it's looking less likely that that will happen. I'm so sick of being in this financial rutt and I just don't know what to do. I've heard about secured credit cards building credit, but I'm not sure how long it will take for that to happen. I'm considering bankruptcy, but I don't know how if it's a good idea for me. Someone, please help!



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