I do not know how this entire thing works, all I know, and all I can, is to try. Will not mix words while putting my case forward, I am from India and currently 35 years of age.
Back in my early stages of career, I made my share of mistakes of not managing my finiance well, and at that time, there was no proper education on a Rating Aspect which gets associated with financial transactions on account of Loans, Cards etc. And as would a young professional without no knowledge would do, I did comit a mistake of not managing my finance well, and hence ended up messing my rating.
Eversince I came to know about it, I mended my ways and did consolidate all my debts. However unlike the western countries, our country do not give us an option to repair our scores in any manner.
Today when I have a need to cater to my parent's health issues, my own family, I can not be helped in any manner. Have had a series of bad days to cater in life, had to abort my first child for a rarerst of rare disease, the very second month of my marriage saw me catering to my father-in-law's accident involving about $12000.
The series of issues are not being helped for a past mistake of mine. Friends or the so called ones, did lend, but it cost me my dignity, self-respect, all time. I do not need chairty, I am fully capable of returning back whatever help I get, yet the help is a rare element to come by. Indian's are lot emotional, and unlike a few countries, we have a moral responsibility of taking care of our parent's all need, health, personal needs etc, as they age. I am putting up my fight, at this juncture I need help and I am assuring that I will repay this help in time bound manner.
I am no begger, I do not wish for charity, all I need is a help. Can any one help me to consolidate my finance and make my life more liveable with dignity and self-respect restored? Needless to say, I would always remain greatful for life. I do not know how this entire system works, but as I mentioned, all I can do is to try all means possible. For all in this world, like change, the other thing which is constant, is hope. And that is all I live with a leaving my appeal with.