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Sorry for the way you feel right now  
Maybe it has pregnancy related issues also I have been super stress some what depressed and I don't really have any issues.... I just feel bleh.

I've been in the almost exact situation.
I know it's hard and it makes you miserable.


It WILL get better, though.
Promise.  

<blockquote><b>Quoting MunchkinWrangler:</b>" I need to admit that im incredibly stressed right now about money. I've always been proud of being young ... [snip!] ... everyone goes through rough patches... I just feel like im failing miserably for the time being. Is.my credit smurfed now?"</blockquote>




You are able to recover. Don't stress too much. Your credit can always be repaired. You have a home already and that is important. Just do your best to get them taken care of and then write them letters to get them removed from your credit report. Google credit repair and find free tips on the letters to use.

Quoting MunchkinWrangler:" I need to admit that im incredibly stressed right now about money. I've always been proud of being young ... [snip!] ... everyone goes through rough patches... I just feel like im failing miserably for the time being. Is.my credit smurfed now?"

Try contacting a debt consolidation company. They might be able to consolidate all your credit accounts into 1 monthly payment. I'm not sure of any since I've never used it but it looks like an only option. Unfortunately, this might show up up on your credit report :/

Hang in there, although credit is important, your mental health is more important. Worrying and stressing won't bring in more money.

Quoting Not tellin:" <blockquote><b>Quoting MunchkinWrangler:</b>" I need to admit that im incredibly stressed ... [snip!] ... write them letters to get them removed from your credit report. Google credit repair and find free tips on the letters to use."

Once they have gone to collections does that stay on my credit?
What would I even say in a letter?

I'm trying not to stress... I mean, I'm paying the important bills... I've just been working so hard to build up my credit because I really hadn't even have time to establish much credit anyways. I opened a few credit accounts to try and build myself some credit... and then this smurf happened and I had to put them on a back burner.

It sucks because literally in just a month or two everything will be perfectly fine... but for the time being, I can't help but stress.

I know how you feel, SO is out of work. My income doesn't even compare to our bills. He just picked up work so hopefully that saves us, but it is tough. Have you tried getting any assistance until you are back on your feet? It may help your stress levels

<blockquote><b>Quoting Sara Go:</b>" Try contacting a debt consolidation company. They might be able to consolidate all your credit accounts ... [snip!] ... in there, although credit is important, your mental health is more important. Worrying and stressing won't bring in more money."</blockquote>




Debt consolidation companies don't actually help your credit that much and they cost you more in the long run unless you get one to do it for free.