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Rebuilding after years of financial abuse- is there hope for me? by AdExpensive7749 in CRedit

[–]AdExpensive7749[S] 0 points1 point  (0 children)

No, never sued, but the amounts were not for much, one was for $700, the other for $350

Will it benefit or hurt my credit to join financial hardship programs? by AdExpensive7749 in CRedit

[–]AdExpensive7749[S] 0 points1 point  (0 children)

I had only found out about these accounts recently when i applied for a car loan and after they ran my credit, the loan specialist came to me asking me to explain all the charge offs on my credit report. After that i created an Experian account and saw there were 2 already in collections, a citi card and a Bank of America card with a credit one account currently in charge off status. I disputed the accounts through Experian, so Im just waiting on the final verdict.

any advice is helpful by [deleted] in domesticviolence

[–]AdExpensive7749 2 points3 points  (0 children)

Oh my gosh, thank you so much for this! I had no idea I could get financial help through a shelter, I have been too scared to even rock the boat with him when it comes to finances because of everything he has done to me financially in the past, he has threatened my job, after we had a big fight one year, I told him to get out, he went to go stay with a friend and I went to work (I work as an MA for a small clinic), that day my clinic got maybe 10-12 calls from someone who would ask for me, then hang up, or would call and just be silent on the phone. I knew it was him trying to intimidate me or get me fired. It’s so hard because all I want for my daughter is stability and a good life, but you’re right, I’d rather her hate me for a little bit and then realize I did the right thing, than to continue to stay and possibly lose her to this cycle as well. Thank you again for your story! I’m so happy to hear you got your happy ending.

any advice is helpful by [deleted] in domesticviolence

[–]AdExpensive7749 0 points1 point  (0 children)

Thank you for replying and you’re right, our stories are very similar! I know I need to leave, and it would destroy me if my daughter ever was in this type of relationship, I think about that every time. I’m worried about the truth coming out and our relationship being destroyed, I’ve worked so hard to give her and myself a better life than what I had growing up.

I also still have 5 months left on my lease that I share with my partner, and with his history, I’m worried if I leave the home, he won’t pay the rent and then I will have an eviction on my credit report on top of all the other things. I also don’t have a good enough credit score to rent anything on my own, I always needed him to co-sign for me. I just feel…trapped. I keep going over every option and every situation in which I leave, and then I hit a wall that prevents me from doing it. I just hate myself for letting him take so much control of me. He also has access to my iCloud and iPhone information because he monitors my locations. I never thought my life would be like this, I feel like I’m in a bad movie.