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@joiner77 wow wow wow i’m sorry for the late reply dude but this is the best advice i’ve ever gotten. In response for hopefully some more insight, I’m in San Diego haha so the apartment market is insane, $950 is the best i’m gonna get even room rentals are $1000+. That $950 is after the split...

@adamgill1999 thank you this helps reassure me

@water141 yeah a lot of late payments now just hoping to pay it off with my next two checks as I have rent coming

@lookingforhiswill your awesome thank you

@lookingforhiswill this helps a lot thank you very much, just start with new banks?

@meladelle already in the works man i just got a place with my dad i’m paying about $950 a month on that but all under his name, i make roughly $3000 a month now with my new job it’s been steady for about 6 months i’ve been super bad with budgeting though and i still owe $400 ish

At 19 I started attempting to build credit and all was going well I had about 550 and rising, using my credit card only for gas and paying it off within a few days well before my closing date. At about 20 I hit a rough patch and was losing kitchen job after kitchen job and eventually started to...