well it's not 400 but it's in the 400 range. I know there are no excuses, and I've been irresponsible. However sometimes bad things happen to good people, and

well it's not 400 but it's in the 400 range. I know there are no excuses, and I've been irresponsible. However sometimes bad things happen to good people, and it's been a rough year. Before that score I used to have a score in the range of 700. Living at home is not an option. I have had bad luck with roommates they all turned out to be drug addicts or extremely loud. Cable TV is included with rent, I do not even have a cellphone because I don't want to be spending $70/mo on that. Then again, I'm not making excuses for that, I already have a plan to repay all my debt, and I'm starting next paycheck whether I'm moving forward with new company or I stay with my current employer.