For your life to change, You Have To Change
I know that you have gotten good at Not Thinking about your bad credit. It's unpleasant and depressing.
And That is Not Good!!
Because it hasn't stopped thinking about you. It's not going anywhere. Bad Credit feels defeating. Like, no matter what you do - you just can't get ahead.
THE BANKS STAY RICH BECAUSE YOU DON'T CHANGE. They stay Rich because you stay on The Spiral of Financial Ruin.
The banks wan you to have bad credit. They know that missing a couple of payments doesn't make you a bad person. They WILL use it to jack up your rates, and their profits.
It has to stop. You have to get off the Spiral!