Kathy, you might want to run a credit check on yourself. Someone could have stolen your identity and screwed over your credit score. I don't have a mortgage or car payment. I pay student loans, rent, gas/electric, cable/internet, cell phone, and credit cards. I make 24k a year on a student stipend. I have all my bills set up for automatic payment through my CC and my CC is set up to automatically be paid by my checking account. In doing so, I'm never late on a single payment and everything is paid off in full. I didn't check my credit score until recently but when I did, it was 790. My bills are minuscule yet I racked up a good credit score. They say people who pay the least attention to their credit scores usually have the highest.
If you are in good standing in all of your bills that you know about and only have a 600 credit score, it's highly likely that someone has stolen your identity. I would get it checked out.
