Why do people blame me for my bad credit issues that are beyond my control?

Question

My credit is poor because of trying to replace my losses due to Hurricane Katrina, & I haven't been able to find a job since, & people say my bad credit is all & only my fault. I receive SSI & Social Security, & I'm disabled, so how is it MY fault that I can't get a job?

Answer 1

Dear Candy, Please contact your U.S. congressman that represents your area ( send request by certified mail reciept requested), ask for their liason officer to respond, they seem to work faster when you document your request. Inform them of the work you can physically perform, and your need to find employment a.s.a.p. . If you cannot get results, ask the congressmans secretary to call you directly. Message me if you have futher questions. Good Luck!

Answer 2

Wow, you really have been put through the ringer of things. Katrina had a devistating and very costly impact on New Orleans we all know that but I don't think that people who haven't been through some kind of disaster and lost everything that they own actually realize how hard it is to move somewhere else with little or no money. It's not your fault that a hurricane hit New Orleans and it's not your fault that you can't find a job either. Quit lisnening to the nasty things that people tell you on here. If you want to try to repair your credit, try to get a department store credit card (Dillard's is pretty easy to get- I got one from there 1 month after my bankruptcy was finalized) and only charge what you can afford to pay off that month. That will help your credit score some.If you only make minium payments on your credit cards it goes against your credit. I don't know how much in debt you are, but if you owe a ton of $$$, there is always an option of Chapter 7 bankruptcy.I filed chapter 7 a few years ago and I've had no trouble getting credit cards or apartments. Some apartment complex's won't allow you in until your bankruptcy is 2 years old but there are many that will let you move in the next day. Bankruptcy is suppose to stay on your credit for 7 to 10 years but sadly, within 1 year of my bankruptcy being final, my credit was actually better then it was before I filed Chapter 7. I paid $1,200 in attorney fees and court fees and my $35,000 in debt went bye-bye. Most creditors won't show up to contest it and the court procedings take usually 5 minuites. The only one that I've ever heard of contesting chapter 7 was Sears.Either way, you might want to try talking to the Legal Aide office in your area so you will know what your options are.

Answer 3

How did you blame you? If you have good credit before hurricane Katrina, you shouldn't worry about it. However, if your payment history went bad because you couldn't find a job due to the hurricane, a credit analyst would be able to tell.

You have the right to contact the company that turned you down to find out the real reason. I don't think because of the hurricane that caused you jobless would effect your ability to get credit from any company. I believe your income may not sufficient enough to support the credit that you asking.

Answer 4

How are people blaming you? If creditors are harrassing you, tell them you're trying, but haven't yet been able to dig yourself out from the Katrina aftermath.

If you mean that people won't give you additional credit, well, no they won't, since for a lender to give you credit, they have to expect to get paid back, and you don't have any good way to do that.

Good luck.

Answer 5

Tough situation...

Answer 6

It really isnt your fault.

Answer 7

if your are on social welfare how can you have a job too ???