Update on housing

I applied for the place I looked at. I was denied due to credit score being too low. This is the 5th denial I’ve had due to my credit score.

Yesterday I met with an attorney. I have debt from a 12 year relationship that ended 4 years ago. The past four years I’ve been trying to pay it off and learn better spending habits,

I’ve been in temporary housing for 6 months, which put me behind on payments big time. The amount is now insurmountable. I’ve decided to file bankruptcy so I can have a fresh start. I am disabled but do not qualify for section 8 because I make too much and my income goes over the required threshold. So I need to do this so I can get permanent housing.

As crazy as this sounds I am happy and relieved about this. I should of done this sooner. I now have a solid plan for moving forward.

Although I don’t have a permanent address the attorney said since I’ve been here for 6 months, Im a legal resident of this state. So that’s kind of exciting. I anticipate I’ll be in temporary housing for a few more months, but then can look for a permanent home.

Sometimes you have to deal with the past before you can move forward 😉. I’ve definitely learned my lesson and codependents usually have financial problems due to our inability to say no. Or thinking we have to earn another person’s love.

I’m confident this won’t happen again. I deserve a fresh start!! Thank for everyone’s support!! 🙏

[Blueruth]

Are you applying at corporate run apartment places? They just run your credit and the managers have little to no ability to make exceptions. You should look for mom and pop places. In that case you might be able to make a more untraditional arrangement such as doing some work for them instead of an extra deposit which I gather you can't afford. It might take a few rejections before you find something but there are landlords who will understand how difficult this is.

I raised my credit from crap to high. It does take a while especially if you don't have a credit card. You can do it. Discover and Apple have really good programs to start you with a secured card and then migrate to a real credit card when you have made enough on time payments. you are more than halfway there to losing the impact from your ex. Sadly the budget/banking app I had that was free is gone and it was such a game changer for me. but simplifi is free and I like it. I pay for YNAB which I think is worth it but if you are beginning that might not be a good option.

[Hidden in reply to Blueruth]

I’ve tried both kind of places. None have worked out. Thank you so much for your suggestions. I raised my score to the 600s over the past 4 years. But once I lost the momentum it became too overwhelming. 3/4 of my check is going to temporary housing. Some places even require you to have a total of debt below $2000. If everything goes as planned I should be able to file in 3 months. Once approved after some time I’m going to start applying again. I’ve been spending a lot of money in application fees. This way I can deal with the past debt, go to zero. And over time start over again. This was a really tough decision and took some time to make. But I think in the long run this is what’s best for me. I think with zero debt I may be a more attractive tenant after some time. Thanks again!! 💜

[Marysblue]

Great attitude, you are on right track it sounds like. Good for you.

[Hidden in reply to Marysblue]

Thank you!!