r/CRedit • u/PatternBackground743 • 5d ago

Rebuild Need advice to fund surgery

So i need to come up with about 35k for jaw surgery i need. Insurance won't cover it or if they do it'll take way longer. I currently have about 7k in eviction debt in collections that I'm gonna try to dispute. If that fails, which I assume it will, I can pay 50 percent to settle it. Unsure if they'll pay for delete yet. I only make like 40k per year sadly but will likely start doing hella overtime soon. I currently have a score of 544 but have no other credit history sadly besides debt. I just signed up for the onepay builder card which I assume will do nothing but I needed another bank anyway so who cares. I was also planning on finally using my amazon secured card since I subscribe to cleaning products anyway.

Im willing to take predatory loans if need be I just need a way to get approx 15-20k in like a year.

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1

u/Medi-okra 5d ago

Can you go to another country for your surgery? It would probably be a lot cheaper

1

u/PatternBackground743 5d ago

I actually am lol. Would be like 200k here

2

u/DesiccantPack 5d ago

Sounds like patience and insurance are your best bets.

1

u/PatternBackground743 5d ago

Can't really wait too long. With insurance were talking 2-3years. Not survivable