You're not alone.
Many people face financial crises at some time in their lives.
Whether the crisis is caused by personal or family illness, the loss of a job, or simple overspending, it can seem overwhelming, but often can be overcome. The fact of the matter is that your financial situation doesn't have to go from bad to worse. It depends on your level of debt, your level of discipline, and your prospects for the future. When negative information in your report is accurate, only the passage of time can assure its removal. Accurate negative information generally can stay on your report for seven years.