At 26 years old i ruined my credit score during a manic depressive episode. I was like pre-suicidal because i thought that nothing mattered anymore so i was spending and giving money away because i also thought of “collapse”. Leftists are always talking about the collapse of the United States, which I no longer think that’s happening anymore. The country is strong and organized, I’m not particularly patriotic but I live here so I’ll deal with it.
Anyway I have some serious delinquency on my credit report. 6 months of late payment. All my debts are paid off. Will the delinquencies ever go away? I will actually be able to apply for a credit card in 7 years? I was such an idiot to ruin my credit score after 6 years of being perfect. I feel like I cheated on my husband and I can’t get him back. That’s what it feels like. Does anyone have any stories of redeeming their credit score? Also please prioritize your mental health life is worth living. I’m 28 now but I should have been in therapy at 26.