Similar story for me, but in my case I was an idiot with undiagnosed and untreated mental illness and a $20,000 line of credit for no good reason. Blew through a ton of money and wasn’t making much either. Ended up saddled with medical debt after an accident. Medical debt has been erased but the others are still on top of me. I don’t need anything in the near future credit wise though it would be nice to have a line of credit in case of emergencies.