Help Get me on the right road.
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Posted by T.Williams (24.214.134.17) on July 18, 2002 at 18:02:46:
Hi I have been with genus credit for 3 years this
August. I believe when I started they stated it would end in 4.3 years. I just looked over my 9 remaining accounts and see no way for this occur.
I am only making 16900 this year. I have a car payment etc.
I am paying genus 383 a month.
The cards I have are At&T which has gone from 2800 to 1400 in the 3 years.
Chase which is 1400 and was 1600 when I started:(
Citibank which is 1000 and was 2000.
Discover 5800 now 3700.
FCNB which is 997 and was 1497 when I started.
JCPenneys was 1000 now 700.
Montgomery wards is 530 and was 630.
Providioan was 926 now 772.
Valuecity HRS was 530 now 224. I don't seem to be making headway.
I missed just one payment in 3 years.
My problem is I have student loans coming due at 300 a month that I have put off 1 year already. Should i put them off again for low income? Also I have one card with good credit from capitolone which I also got my car from. The only way was at 22% for a car loan.
I can see a 1/3 differnce but isn't there a 4 year
limit to genus? How do I get a break
Single mom of two. What is your advice. Stay With genus?
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