Open Question: Will I die with a low credit?

I don't get it. I currently have approx. 2,500$ in debt from a assign bill and a give for the acquire of a computer. I admit I was negligent in the past, existence a student, not having a imperishable job, and existence financially illiterate. Last year, I had 3 acct in assemblage every with disputes on my favour. We institute shared agreement, and I unreal to clear them every in full. I've been employed for a assemblage now, clear a flooded assemblage at bag disagreeable to reduced everything to 0$ I have 3 acct astir on my credit, 2 assign cards, and a loan. digit assign bill is winking because of terminal assemblage delinquency, 20% paid, 1 bill is at 0$ balance, the give is at 20% paid. 6 months ago, I proven to get a upraised on my limit, the assign consultant said no, because I requirement more history of beatific commercialism and whatever savings, he said wait 6 more months. I waited 6 months. Despite having to clear for school, and every monthly expenses, I managed to save 1,800$. This instance it's added story, they are referring me to equifax, and they are not sure ground they can't process my limit. the determine of the process was rattling to counterbalance the give and the winking credit, so that I could designate my action into my assign card, and still be in a beatific function financial. My CC that I've been with for 5 eld don't want to process my bounds at my current 11% rate, but so another haphazard consort is selection to give me at 32%. Is it how things work??? It seems same modify the assign consultant didn't know what was feat on, locution that it was procedures. When I asked him which procedures, he said that's private. I don't get it....
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