u/Thin-Preference-5638

F29 — I started working when I was 19. I was already earning my own money and even managed to save a little. Then around 20–21, I started getting approved for credit cards and loans.

And honestly, I was so stupid with money. 😭

I let my mom borrow some of my credit. At first, she was able to pay, but eventually she couldn't. Then I lost my job, and everything went downhill. I had to borrow from different OLAs, even illegal ones, plus GCredit and other loans just to get by. Eventually, I couldn't keep up with the payments anymore, and of course, my credit got ruined too.

Fast forward a few years, I was finally able to recover little by little. I'm in a much better financial position now, and I know I could actually pay a loan properly.

But now that I badly need one, I can't get approved. 🥲

And lately I've been thinking about all the "what ifs."
What if I was wiser at 20? What if I didn't apply for every loan and credit card I could get? What if I didn't let someone borrow my credit? What if I understood back then how much those decisions would follow me years later?

Maybe things would be so different now.

The amount I need is something I know I can afford to pay today, but the frustrating part is that the only place that could realistically approve it is a bank—and getting approved by a bank feels almost impossible because of my past.

I know I made those mistakes. I'm not blaming anyone. I was young and honestly didn't understand how much those decisions could affect my future.

Now I'm just here thinking, sana naging wiser lang ako noon. 😭

If you're young and reading this: please, please protect your credit. Don't borrow just because you're approved. Don't lend your credit to anyone, even family. And don't mistake having access to money for actually having money.

I wish someone had drilled that into my head when I was younger.

For those who also messed up financially when they were younger, were you eventually able to rebuild your credit and get back on track? How long did it take?

Hello po! Need ko po sana mag-consolidate ng existing loans ko kasi sobrang kalat-kalat na ng due dates/payments. If you saw my other post, nawalan po ako recently ng isang client, kaya nagulo finances ko 😭

May isa pa naman akong client ngayon, earning around ₱60k/month, pero hindi enough per cutoff para ma-cover lahat ng dues and bills.

Willing to provide valid IDs, proof of income, bank statements, client/employment details, and any verification needed. Open po ako sa reasonable interest and proper agreement.

Pass po sa NSFW, upfront processing fees, or any payment before loan release. Legit borrower po ako and willing dumaan sa proper verification.

Wala rin po akong luck sa banks/loan applications, kaya trying my luck here.

Sana may magtiwala at makatulong para ma-consolidate ko na lahat and get my finances back on track. 🙏
PM po if you're a legitimate private lender. Thank you!