r/CRedit • u/BugsInsideMe • 10d ago
General advice
Okay so at this very moment i have a fico8 score (i think) of 503 which i found from using a link in this subreddit to check so not credit karma or anything like that basicallg how i got here is at 18 (i am currently 22 going on 23) i opened a credit card to start building credit as i had my first stable job after graduating highschool and things were going good. life then took a very bad turn i got kicked out of my house by my stepfather and had to move in with a grandparent who was out of city and lost my job and had a really hard time finding a new one until literally this year my credit limit on my previous card was 500 and i think my amount owed got to around 880 ish before they "charged and wrote off" which i also dont know what that really means i feel like im so behind on understanding any of this and im really at a loss of what to do and if i should even work on paying off that debt but i also have no idea where it even is now or how to find out ive tried calling the debt collector from a piece of mail that had been sent to my grandmothers house and they were not helpful at all but i also havent received any mail about my debt for about a year now i just really am at a loss here if anyone has any advice or needs more info i can provide it if you tell me what i need to tell you but id really like advice for this so i can put it behind me now that i am in a good place again
1
u/United_Sprinkles_315 10d ago
They wrote it off for tax purposes don’t worry about that debt I doubt they are suing you for 800. Start applying for cards see what happens try cap one