Quote:
Originally Posted by Johnnyma45
The interest rate sounds awful. I think what you'll hear from most people, is that if you're 23 with bad credit, you shouldn't be getting a 2SS. Save some money, move out, etc etc.
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Moving out isn't an option at this point. the "rent" i mentioned I have to give my mom whether I live at home or not so she can pay bills. My sister who recently got married and moved out still gives that money to my mom too. Long story short, my dad passed away young without much life insurance and lots of debt stayed with my mom.
My credit isn't "bad" I just dont have a long history of credit. My score is in the upper 6's, no credit card debt, no missed payments in over 2 years. I started credit monitoring with freecreditreport.com and the "negative" things about my credit are that I dont have a high credit limit (only 2 cards and thats all I want) and that i don't have a long credit history.
Savings I have 2 months of income in a savings account, Few thousand invested in stock, my 401k and some extra in my checking.
I think I am very responsible financially. Biggest bill I am worried about is going to be my student loans once I graduate.