Hi, I am a single Mother of two beautiful children. My oldest is 18 years and severally mentally, physically and medically impaired.  I have been raising my children alone for most of my adult life. My sons Father walked out when he was born saying, "Not perfect not mine."

 I would like to clean up my credit as well as pay off high interest credit cards and pay day loan so I do not have to worry as much.   I am a very dedicated individual who has learned a lot from my son about commitment and follow through. When I give my word on something I will keep my word. 

  My credit score on Experian is 566 &Transunion 579

 I have a Bankruptcy Chapter 7 that was discharged April 29, 2004 

I did reaffirm my mortgage loan. I filed bankruptcy due to bad choices. I cosigned on a vehicle loan for a friend that ended up in involuntary repossession. I also had a lot of unpaid medical bills I could not afford. I was paying on the medical bills, but could not afford the car payment as well.
I have 4 delinquent accounts at this time. I had to make a choice between paying these and feeding my children. I was out of work due to a back injury and was fighting with Workman’s comp. to get my back pay for time off. I have kept up on all credit card payments, loan payments and mortgage payments during the time I have been off work.
Collection Department
   Acct Status:  Open  
 Monthly Payment:  $0      
Date Open:  Jan, 2006    
 Balance:  $125     
Terms:      
High Balance:   
 Limit: 
 Past Due:   $125    
Remarks:  MEDICAL Unpaid   N/A

Collection Department
 Acct Status:  Open 
 Monthly Payment: 
 Date Open:  Aug, 2005  
 Balance:  $225   
Terms: 
High Balance: 
 Limit:    
Past Due:    $225    
 Remarks:  MEDICAL
Unpaid      
 Payment Status:  Unpaid seriously past due date  

  Acct Status:    Closed   
Monthly Payment:    $0  
Date Open:  Feb, 2005    
Balance:  $70   
Terms:   
High Balance:
  Limit:    
Past Due:   $70 
 Remarks:  MEDICAL 
Payment Status:  Unpaid Seriously past due date   
   
 Acct Status:  Closed 
  Monthly Payment:    $0    
 Date Open:  Mar, 2006  
 Balance:  $755   
Terms:   
 High Balance:  
 Limit:     
Past Due:  $755     
Remarks: Unpaid    
 Payment Status:  Unpaid Seriously past due date  The total for these account are: $1,175  

I have 1 pay day loan at $500 (learned my lesson there)
I have high interest credit card debt equaling $1,711

 Credit cards $165 monthly
Payday loan $150 monthly
Just consolidating these two amounts into 1 payment saves me $176 a month
I would also be able to pay off the negative medical bills that are on my credit report now.


Please give me a chance you will not be let down.