Several years ago I was injured and could not work. Because of the injury I amassed thousands in medical collections. I applied for disability from social security. It took a year and a half to be approved. It was a rough time trying to live with no income.
My credit was shot but I knew if I got several secured credit cards and made the payments on time, my score would rise.
I signed up for an Experian credit program.
That gives me constant updates on my credit profile. The news is all good, my scores have moved from a poor rating to a fair rating. I was approved for a car loan and was able to sign a lease for an apartment. As for the collection accounts, I have an attorney working for me on a resolution.
Open sky has helped me immensely, I even opened a second account.
There is hope if you are trying to improve your credit, I am very happy with the results I am getting. Thank you open sky.