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I Have Bad Credit

Personal Stories, Advice, and Support 46 People

    I Am Ashamed

    to say it, but it's true. I got into a car accident many years ago, and as a result of having to sue because the other person's insurance wouldn't pay, etc.  I lost my job, (because of the injury) and things just snowballed, and got way out of control.  I was really...
    deleted deleted 26-30 1 Response Sep 30, 2007

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    Got a credit card at age 18

    and it was a downward spiral from there. Now, I'm working on rebuilding it.
    guideme2truth guideme2truth 26-30, F Aug 13, 2014

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    I Was Given Really Bad Advice...

    During my freshman year of college, I had every credit card there possibly was to have. I payed the monthly bill faithfully. Never missed a payment until, I stop attending school and working to give birth to my son. I was like "What am I going to do?" My mother...
    Caprisun Caprisun 31-35, F 2 Responses Jun 17, 2009

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    No Fico Credit Card Program

    We have started our NO FICO CREDIT CARD PROGRAM for the next 45 people after that we will not start again until the middle of October to accomodate the ones we already have on file!!! If you are interested send me your name, email address, phone number, and city and state you are...
    getcreditnow getcreditnow 41-45 1 Response Sep 28, 2010

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    Beautiful

    I was recently denied for a secured credit card.  How is that possible?  I thought that because I was supplying the money for the credit limit, it'd suffice??     I was told to challenge items on my credit report.  Thing is, I've already...
    Inknote Inknote 22-25, F 1 Response Mar 9, 2009

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    Early 20's Mess

    Agh where do I start? I was very very irresponsible with my spending habits when I was younger. Funny thing is that I swore that I would never fall into the credit card trap... And then a credit card was given to me. After the first, came a second, third, and you get the...
    Jas10 Jas10 26-30, F 6 Responses Jan 1, 2012

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    Potential Help For People With Bad Credit (Feel Free To Ignore If Not Interested)

    All, I've read quite a few stories of folks that are living under the cloud of bad credit. It can be incredibly difficult to live the life you've always wanted when so many doors are closed to you. I just thought some of the folks here would like to know that I'm working at a...
    zapbrannigan1 zapbrannigan1 36-40 2 Responses Nov 12, 2012

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    Chippin' Away The Ole' Debt Block...zen Style

    I got a credit card when I was 20 and it was a measly $300. I said I would use it for gas, but of course I ended up using it for other things and since it's such a small amount, it got filled up easily. I didn't know you were supposed to only use, at most, 50% of your credit card...
    commonthread commonthread 22-25 2 Responses Apr 1, 2012

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    Bad Credit

    Bad credit,You must be joking,Not I,Excuse me,There's some mistake,You've got the wrong bloke!
    lazycrazybasket lazycrazybasket 46-50, M 1 Response Dec 2, 2011

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    As In People Right ?

    like ppl dont believe me and or listen to what i say kinda .. and like yar .. but thats jus it, im looking for a lot of better ppl than the ppl iv met so far .. but i so have met ppl on the exact page at the exact time .. so i kno its not jus me, atleast im willing to even go...
    wezamuntkee wezamuntkee 36-40, M 1 Response Sep 15, 2007

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    Protecting Your Credit At a Young Age Is Paramount

     I can definitely agree with the writer of the article "I Have Bad Credit."  This is NO joke (especially when you've reached my age).  I just met a very inspirational young man who is writing a book that's coming out in '09 I believe that will help a...
    tyoungmil tyoungmil 41-45 1 Response Aug 21, 2008

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    My Credit Is Really, Really Crappy

    Okay, i am a 31 year old with really, really bad credit.  So bad infact my score is 505.  I am trying to get myself out but everytime i try something goes wrong.  My wages have been garnished twice, so i end up with no extra money to pay off my old debts when that...
    Tryingtogetout Tryingtogetout 31-35, F 7 Responses Nov 24, 2009

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    Related Experiences

    No credit cards. No debit cards. No store cards. And life is good:)
    picklebobble picklebobble 46-50, M 2 Responses Feb 7

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    Been there, done it, smelt it, felt it and I don't want to do it again. So I refuse to have anything to do with credit cards now.
    righthanded righthanded 56-60, M 1 Response Feb 5

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    I don't have a bank account. They charge you money. It's crazy you put your money in a bank account then be charge to give them money. You are throw away your own money when your...
    lorrena19 lorrena19 18-21, F 4 Responses Feb 7

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    Have any of you read any money saving books? Not a how to make money book though. If so what book? I want to read one. :)
    ilovepainncma ilovepainncma 22-25, F Feb 7

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    Hello people, I am 40 years old I have severe periodontal disease, I am not here for pity, its my fault I have this, poor hygiene in my younger years, smoking unfilterred cigrettes...
    Wakeup56 Wakeup56 36-40, M 1 Response 6 days ago

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    Today is a bad day. I've been thinking a lot today and I cried. I always get lost in my thoughts and it makes me emotional. I thought about the people who care about me, the people...
    CeBeY1 CeBeY1 18-21, F 1 Response Feb 9

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    My teeth aren't bad at all in terms of being straight. I had braces for two years and that fixed how crooked they were. They're really stained now from all the damage I've done to...
    IngensImpetum IngensImpetum 18-21, M Feb 10

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    I hate it when you have a bad dream about someone and it seems so real that you wake up feeling just sick to your stomach and full of anger. I have no idea why last night I had...
    Welllaugh Welllaugh 36-40, F 2 Responses Feb 20

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    I have had anxiety/panic disorder for about 18 yrs.The last year ,i have been good,but for about a week now,it's been really bad.My hands shake i get dizzy,my stomach is sick.I...
    1prettygirl 1prettygirl 36-40, F 2 Responses 3 days ago

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    I don't know why I get into such a bad mood all the time ... I just hate that almost every single person I know lives a better life than me
    michellesydney michellesydney 18-21, F 3 Responses Feb 6

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    Someone please tell me that today will end and it tomorrow will be better!!!! Lol!!! I love having bad days it makes me appreciate the good ones more!!
    sunshinegirl76 sunshinegirl76 36-40, F 2 Responses Feb 10

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    Today was just an all in all bad day, from the moment I woke up to getting ready to go to bed. Mistake after mistake. Couldn't wait for it be over. Sometimes you just need a kiss...
    Nottheaveragegirl Nottheaveragegirl 18-21, F 1 Response 6 days ago

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    Just broke a mirror and to be honest the bad luck will just blend in and I'll think it's normal.
    Paleandpolluted86 Paleandpolluted86 26-30, F 3 days ago

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    We were basically coming from the cinema after a really nice film, when I spoke and asked about dad...mum was saying really horrible things like he stalked her, he once made a hole...
    melissad98 melissad98 16-17, F Feb 16

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    I'm just gonna be over here ranting about the past two days which have been ****. Friday: woke up at 6 am for school. Came home slept for a few hours then worked a double shift...
    LivviyLove LivviyLove 16-17, F Feb 22

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    but my bf does haha and I'm gonna use it to buy myself some new shoes and outfits and accessories to help me feel better.
    CheatingTracy CheatingTracy 22-25, F 6 Responses Feb 6

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    Never needed one possibly in the future but all the money I use is cash I hate cards
    Jusjellybean Jusjellybean 18-21, F 3 Responses Feb 7

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    This song cheers me up Oh she may be weary And young girls they do get weary Wearing that same old shaggy dress yea yea But when she gets weary Try a little tenderness yea oh nana...
    Allforaview Allforaview 18-21, F Feb 20

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    Today is one of those days where you would even question the existence of god...
    gautamgk gautamgk 18-21, M Feb 20

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    Being bipolar sucks d &@$!%#
    recklesssxo recklesssxo 18-21, F 6 days ago

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    i see blue & gold on that dress. lol
    sexymommy2014 sexymommy2014 31-35, F 4 days ago

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    I hate when you and your friends challenge each other to do weird things, and they find some loophole and your stuck doing it
    puggy64 puggy64 13-15, F 1 Response 3 days ago

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    I have changed I believe. I use to be very shy, scared all the time, afraid of everything, apologetic for everything, not very lively, and always sad. Now I lock away my feelings...
    wedgieshurtalot wedgieshurtalot 16-17, F 1 Response Feb 7

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    I have bad social anxiety,i didn't realize what social anxiety was until my late teens.I do know that I've had it for a very long time though. Social anxiety makes even the...
    dreamer899 dreamer899 22-25, F 2 Responses Feb 5

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    i have an odd way of telling myself I’m stressed out. It’s 3:40 am and i can’t sleep. i have bad canker sores in my mouth when i get like this. i have recently discovered...
    LoveisBeautiful5013 LoveisBeautiful5013 18-21, F 1 Response Feb 16

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    I have no illusions about myself. No matter how many times I hear good and positive stuff, I know me. I am not hot. I do not have a great body. I am what you would call average...
    kinkysexybabe kinkysexybabe 36-40, F 6 Responses Feb 9

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    When you feel like you have lost your way, or have forgotten the direction you are going, take the time to think about what your intentions were behind your initial plan before...
    Anonymouscoast Anonymouscoast 22-25 1 Response Feb 13

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    1935 was not the one all the credit cards have been pulled away a year macys is entertainment for a moose
    Arepootasrealpeopleoraliens Arepootasrealpeopleoraliens 51-55, F 2 Responses 8 hrs ago

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    Childhood was awful. But my teenage years were worse. I'm not sure if I've shared the story in particular of my childhood? Think I have just not sure where. I realised quite a...
    1lonelydaisy 1lonelydaisy 41-45 4 hrs ago

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    Okay, so maybe this isn't normal, and maybe some of you reading this will turn up your nose in disgust, but this is just a thing I've noticed that is a part of my life that I...
    whyphy whyphy 13-15, F Feb 4

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    Getting braces was one of the greatest things that's ever happened to me! I would have never even imagine I was ever gonna be lucky enough to have braces 😄 I used to think my...
    Gabe1997 Gabe1997 16-17, T 1 Response 14 hrs ago

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