Reply #19: Try being out of work for 2 years

[China_cat]

and see what you have left in the way of savings...if you've been lucky enough to put any away in the first place (when you're making barely above minimum wage for less than 40 hours a week, savings is impossible if you want to live).

Yes, our credit is a mess. Everything we had went to keeping the house and the car (14 years old at that time) so that my husband could continue looking for work and I could have the meds I need at least when things were very bad.

He's working 2 jobs now and we're trying to pay people off. But you wouldn't accept us as tenants with our credit rating. And that number on a piece of paper isn't really going to tell you shit about what's happening with our finances or how hard we're working to dig out of the hole.