Working on getting my credit score fixed, and other challenges
By Traci Davis
@TraciDavis (355)
Mesa, Arizona
April 11, 2019 1:34pm CST
I just got off the phone with transunion to dispute 3 fraudulent charges on my credit report. I really want to be able to get a house for my kids to have some stability in their lives and be able to feel secure and safe without having to live with other people. (Right now we live with my inlaws.)
I'm working very hard to try and make the most out of life to get my kids the best possible future, and it's extremely stressful. On top of getting my HS diploma while working, I'm also trying to start up a business around crafts AND today is day one on the nicotine patch to quit smoking. I'm struggling with my anxiety and depression, even while on antidepressants and today I'm having a fibromyalgia flare to boot.
Even with all these things going on, I'm working on getting everything done, and I have hope for the future. I have a lot of faith that I can do exactly what needs to be done. I'm saving up $50 every pay check, and I'm using apps that pay you for playing games and doing other things (like this one) as well as doing surveys with inbox dollars. I do, however have a secret hope that someone will hear my story, see how hard I'm working and have the ability to help me out with raising money to get my goals accomplished. I know it's a silly thing to want, but I can't help but feel that way. I'm trying so hard and things are improving, but so slowly, and I'm running out of time as my in-laws are preparing to sell their house.
If you can, keep my kids in your prayers, as my life and everything I'm doing is to give them a better life then I can give them now. Their names are Mira and Novalee. They deserve to have stability, and they need it, as my oldest (Mira) is ADHD/ ODD, and my little one (Novalee) is OCD and starting to show signs of sensory processing disorder and anxiety, while Mira is already struggling with anxiety and depression.
Thank you all for taking the time to read all of this. You're all so amazing and I am so grateful for having the chance to talk with so many of you.
1 person likes this
2 responses
@ScribbledAdNauseum (104628)
• United States
11 Apr 19
I don't think it's silly to wish someone would come along and help you, that's normal. I really wish you the best of luck in getting your credit fixed. I would recommend looking into Credit One Bank, it's a credit card and was recommended to me when I needed to rebuild my credit. In the mean time just keep doing what you can but remember that you need time to just be with your kids and have fun too. Don't work yourself to the bone.
I'm not the praying type but I hope for the best for you and yours.
1 person likes this
@TraciDavis (355)
• Mesa, Arizona
11 Apr 19
Praying is definitely not something I usually do. I'm not a religious person at all, but thoughts, prayers, wishes and hopes are all really the same in my eyes and heart. Thank you so much for your support. I can't use credit one because the person who stole my identity used credit one, and it's got a debit of over $1,000...so credit cards are pretty not an option at this point. SO after the dispute is resolved, hopefully I can start working on getting one and utilizing it the right way.
@ScribbledAdNauseum (104628)
• United States
11 Apr 19
@TraciDavis Oh I am sorry to hear that. That is awful! I hope the dispute gets resolved swiftly. You should not be penalized for the actions of another.
1 person likes this
@TraciDavis (355)
• Mesa, Arizona
11 Apr 19
@ScribbledAdNauseum Thank you, I'm sure it will. The guy who did it, basically said that he would help me repair and build up my credit, and then because I told him I didn't want to sleep with him, he screwed me in a different way. lol It's kind of funny now, as a cosmic joke, but I know and still feel I did the right thing, even though the outcome was unpleasant.
@pjmurphy (2499)
• United States
11 Apr 19
I'll be keeping you and your daughters in my prayers. Good luck with all you are trying to do. Giving up smoking and in general just taking good care of yourself is very important. Giving up smoking will also help with the finances. It has gotten very expensive to smoke I've heard. I quit many, many years ago and have always been so happy that I did.
1 person likes this
@TraciDavis (355)
• Mesa, Arizona
11 Apr 19
Thank you. I'm honestly struggling with it simply because it was 10 minutes to myself every time I felt like I needed to get away from people. But I have some apps that I put on my phone to help me through the anxiety and depression, so I'm trying lol. Definitely not giving up. Thank you for your prayers.
