Am I Screwed for An Apartment Because of One Collection?
I have always been really smart about my money. Never spending too much, always providing for myself, investments, etc.
Over the past year because of depression, enabling myself and pure laziness, I’ve let a lot of these principles go. I know its not as bad as it could be, but I’m really feeling it right now and want someone to just tell me how bad I’m screwed.
I had a pet that I spoiled for 6 months before rehoming her (TLDR she had severe issues I could not behaviorally help with and she is with someone much more suited to help her now) and I also let my spending habits on credit cards get bad.
The worst thing that I did was accidentally let a Spectrum bill go to collections. I paid it this month and it was only $150. Now it is affecting my life. I’m re-applying to live in my apartment with my best friend (we already live here) and it is being flagged even though I have already paid it. My best friend has limited credit history so we may be screwed because I was the one who was approved last year. Now we are both denied and trying to appeal our credit screen for various reasons (mine has something else in collections that should never have been sent and the company is correcting it, and my best friend should have enough credit history).
But I just feel so defeated. Why couldn’t I just pay the damn Spectrum bill? Why did I ignore it until it went to freaking collections? And now we may have to move out of our dream apartment because of it. I am trying to bounce back financially (credit cards) and know I will. Now knowing one stupid mistake will be on my credit for 7 years is destroying me inside. I feel so stupid