u/VacationZestyclose19

I have no idea what i’m doing. Nobody ever explained how important credit is as i was growing up. I have 2 kids and my fiancés credit sucks, he had a repo last year. I need to build my credit asap so i can move us into a new apartment or townhome (buying is a long term goal)

My credit is around 540, which isnt horrible but needs work. I have $3,400 in student loans which i have not been making payments on and a car payment, that’s all i have but my score is not increasing still. I don’t have a credit card.

Someone please give me advice, dos and don’ts, etc. I’m trying to better my families situation. This 2 bedroom apartment sucks.

I have no idea what i’m doing. Nobody ever explained how important credit is as i was growing up. I have 2 kids and my fiancés credit sucks, he had a repo last year. I need to build my credit asap so i can move us into a new apartment or townhome (buying is a long term goal)

My credit is around 540, which isnt horrible but needs work. I have $3,400 in student loans which i have not been making payments on and a car payment, that’s all i have but my score is not increasing still. I don’t have a credit card.

Someone please give me advice, dos and don’ts, etc. I’m trying to better my families situation. This 2 bedroom apartment sucks.

Me (29F) and fiance (32M) have been together for 4 years. I have a 5 year old son from a previous relationship and we just had a baby boy in july of 2025.

My fiance has struggled with mental illness for years. He takes adhd medication and anti depressants, but is not in any therapy. I’ll go ahead and get straight to the point - i’m at a point where i feel like im in survival mode with him 24/7. He doesn’t do anything around the house without being asked, if i do ask he sighs very loudly. He plays video games all day as a way to “escape”. He can’t save money and spends on almost anything that’s not a necessity. I can always tell when something is on his mind and he keeps saying “There’s nothing wrong” in kind of a snappy attitude, i’ll ask him why he’s saying it like that and he’ll get even more snappy and deny every saying it a certain way. I wanted to go out and do some stuff as a family today and he seems like he’d rather just do anything but that. He’s emotionally unavailable and never talks to me about his feelings and just bottles everything up, which causes him to get frustrated easily. He had 2 days off work this week and i asked if he could please do some household chores while i was at work, he did nothing other than a few dishes. Our diaper trash pail was still full, kids laundry wasn’t done, and there were toys all over the living room floor and baby bottles that were not washed. He gets frustrated easily and i can’t ever talk to him about something without him getting defensive, as he essentially just puts a guard up and ignores me. I cant even get the bare minimum.

I asked him once to name 10 reasons why he loved me, out of curiosity. He couldn’t name a single thing.

I’m so exhausted y’all. I don’t even know what to do anymore. I have tried over the last several years to convince him to get help for his mental health or at least do something and he hasn’t done anything. We attended couples therapy before and it did not work.