At one point in my life, I was making $1,200-$1,800 a week as an ad sales rep for Bellsouth. He had excellent credit due to the fact that he could buy as many things as he wanted on credit and had no problem paying what he owed at the end of the month. I did this as many times as I wanted while working at Bellsouth.

For the entire 5 years I was at Bellsouth, I never worried about money. Of course my job was stressful and being one of the top sales people I was expected to perform to the best of my ability and was very well compensated for the stress I was enduring.

So one day I came to the office like any other day. I remember it so clearly that it was a very warm morning in April and I, as usual, was one of the first employees to arrive at my desk. Nothing seemed unusual at the time.

I went to the break room and made my coffee and was greeted by my supervisor. Not that I look back, she didn’t chat with me as long as she normally would. She seemed like she was forcing herself to be friendly with me. All she said to herself was, “Good morning.”

I just shrugged like the normal stress of his job and went back to my desk. I turned on my computer and noticed some of the IT staff going from cubicle to cubicle, which seemed a bit strange so early in the morning, but again I didn’t think about it.

I checked my emails and the only thing that stood out was a 10am meeting in the conference room. We usually had our meetings at 9 am, but I noticed that all the supervisors were gathering in the marketing director’s office and they looked very serious.

At this point I felt that something was up. I saved my resume and emailed it to myself and deleted all my personal documents on the computer. The employees were starting to arrive and I didn’t want anyone to panic so I didn’t mention what I saw to anyone.

At 10:00 a.m., the marketing director walked into the conference room and told everyone what a great job we’d all done over the past few years, but the center was going to close. Everyone but me was in shock. We were told that we would be given a severance package and to get back to our desks immediately and that we would have to leave the building as the lockdown was immediate and that boxes would be provided for anyone who needed them in the break room. They told us that our compensation documents would be on our desks and asked us not to turn our computers back on.

Some people were crying, but some seemed relieved that they didn’t like the job anyway. I took out my belongings, went outside and faced an uncertain future.

The good thing was that he had the money from the compensation and could collect unemployment.

After about a week of getting used to not having to go to work and just relaxing at home, I decided I would just collect unemployment and take a vacation. The holidays lasted about 3 months. Meanwhile, my bank account started to dwindle and then some major repairs were needed at the same time. We ran out of hot water. A week later, a tree in the backyard fell and smashed into our sliding glass door.

All the repairs started piling up as I added to my charge bills and emptied my bank account.

Eventually all that was available was my unemployment money, so I started looking for a job. I sent out quite a few resumes and found that no one was interested in interviewing me.

I eventually found a job, but I made a little less than I was used to, but at least it was stable money. My wife was not working, so my salary was not enough to make ends meet.

I needed a loan and after several months of not paying my credit cards on time or at all, my credit began to suffer and I was very surprised to find out that my credit score had dropped to 580.

I did some research and found that there were credit repair companies and bad credit loans.

The company I contacted online was very professional and willing to help me. They suggested that I take a look at my credit reports to see if there was anything on them that was affecting my credit scores.

I discovered that I had some small debts under $100 on my report that were affecting my score. I contacted those creditors to work out an arrangement and the companies settled both debts totaling about $70 for both of us.

Since I was making a lot less money, I needed to earn extra money, so I started learning the credit repair business and became a credit repair counselor in my spare time.

I eventually quit my low-paying job and found steady employment and used a percentage of my salary to slowly pay off my debts in small increments by focusing on one at a time, paying it off, then transferring the money to another bill and so on. After about 8 months, my credit is now respectable and I can get loans when I need them.

If you need similar help with bad credit, search for and locate a good credit repair counselor. It really works! Some companies allow you to get a Loan, Debt Consolidation Loan, Bad Credit Loan, Credit Repair, Mortgage and Refinance once your credit has been cleared up.