Jonquilyn Hill

What's wrong?

And I was told that the reason was because my credit score was too low.

I'll be transparent, it was $490.

Ooh, okay!

At this point, I'm like, oh my god, if they're denying me for this apartment, they're gonna deny me at the next one that I apply for.

And so I ended up having to move in with a boyfriend at the time, who I had not been with that long, so I got put in this situation that I didn't really want to be in, because I needed a place to live.

I'm working at a restaurant and there's one of my coworkers who's a real estate agent and I see him just slinging all these homes and I'm like, well, I want a home someday.

And now knowing that my credit is bad enough where I can't even get an apartment, I'm like, how do I repair this situation?

He actually put me in contact with a loan officer who was great.

And she sat me down.

She printed out my credit report.

And she used a highlighter line by line.

And was like, what are these?

Why are these here?

Can you pay some of these off?

And it will help increase your score.

And there's a bunch of $15 charges from the leftover that my insurance didn't cover for therapy sessions for two years.

They were mailing the wrong address.

She's like, can you pay these off?

So I start with those.