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I Have Bad Credit

Personal Stories, Advice, and Support 46 People

    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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    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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    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 1 Response Aug 13

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    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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    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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    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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    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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    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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    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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    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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    Related Experiences

    I am still so angry. I don't know how to process these feelings and they are eroding my adult life, holding me back from being a successful person. Mental illness runs in my...
    momshelle momshelle 26-30, F Dec 9

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    I'd say a bad friend is someone who forgets to wish you a happy birthday and one who waits six months after hearing of your mothers death to contact you. Or someone who tells you...
    cicisays13 cicisays13 26-30, F 1 Response Dec 8

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    Today's been so bad and the mornings just started. Late to school, but on the bright side I gotta play with 6 babies at daycare :)
    DeterminedToMakeLifeWorthIt DeterminedToMakeLifeWorthIt 16-17, F Nov 20

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    I feel like ive been cursed or something. All of my life ive been only suffering. It started from my childhood and continued now. I tried so many things but nothing helped. I fail...
    angel8i angel8i 31-35 2 Responses Nov 26

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    I joined this website because after getting in my second car accident in the the last two weeks (one resulting in my car being unfixable and the other which just happened an hour...
    kiiiten kiiiten 18-21, F 1 Response Nov 30

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    especially today is a bad day... the system of my country is sucks. there are no mercy to weaker people. i am feeling so down right now...no sweet family but abuser...i need to...
    juryandrews juryandrews 31-35, F Dec 2

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    Today is a bad day.... Nothing is going right .. I cannot smile my way Through My Sadness! I cannot carry another feather I will break.. I am home..In my favorite Pyjamas The...
    warriormama warriormama 41-45, F 8 Responses Dec 8

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    Plz excuse me if I'm ever mean to u or if I'm suddenly sad or even crying, I have like the worst mood swings
    Wannafillout Wannafillout 13-15, F Nov 29

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    im only 15 and I have horrid teeth. I don't smile infront of my friends and I allways cover my mouth. I just got braces and everybody wants to see them, but im not confident...
    jordyn0987654321 jordyn0987654321 26-30, F Dec 3

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    i really need to throw my negativety out.. i can't be better today. today is sucks!! i knew it.i shouldn't believed people easily. i did it again...i feel like i am so stupid...
    juryandrews juryandrews 31-35, F 2 Responses Dec 8

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    I told by my eye doctor that I was super near sighted. But my vision got even worse when I wore the wrong prescription of glasses, because last summer I broke them. I'm thankful...
    gorgeusgirlSky3 gorgeusgirlSky3 13-15 Dec 11

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    I apologise to anyone I haven't responded to, I've been so busy an my Internet connection is so awful 🙈😭
    LisaMannion LisaMannion 18-21, F 1 Response 16 hrs ago

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    This is true. There was this one time where I was visiting the zoo with my friends. Earlier in the day, I had bought this bottle of juice. I planned on relishing it in the zoo...
    mmmchocolate mmmchocolate 13-15, F 7 hrs ago

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    I may be getting put on probation...
    DeterminedToMakeLifeWorthIt DeterminedToMakeLifeWorthIt 16-17, F Nov 20

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    Numbers On a silly piece of paper Is that all, The sum total Of what we do? To be in the world But not of the world We say. This day last year we were made To dissect those...
    novembermountain novembermountain 41-45, F Nov 20

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    One of those days where absolutely nothing does right :((
    TheSongPlaysWithin TheSongPlaysWithin 18-21, F 1 Response Dec 1

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    But things seem to always work themselves out. I'm staying hopeful and trying very hard to stay positive through these rough times.. I'm looking forward to getting the therapy I...
    alliemamabear alliemamabear 18-21, F Dec 2

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    My eyes are super dark they used to get mistaken as black not brown (now I say they're brown before someone can say they're black). When I wake up they're a bit lighter though.
    TurtlesAndLlamas TurtlesAndLlamas 18-21, F Dec 2

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    Im really fed up with you two being closer with each other than u r with me. and i was the one that introduced u two. im sick of u ignoring me all day today and making me feel...
    haily9784 haily9784 22-25, F 2 Responses Dec 5

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    the more self aware I become about my moods. the more I realize wow my moods are sooooo unstable! like this morning I was on top of the world. feeling great. now im like meh...
    wickedlilangel69 wickedlilangel69 31-35, F a week ago

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    I am not going to lie... I battle with depression. My life has not been easy. Some days I just don't want to get out if bed and today is one of them!!! But I had to work today :-(
    princessalicia princessalicia 22-25, F 5 Responses 5 days ago

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    I want to go tell all if my closest friends that I think about killing myself constantly. That I plan on doing it relatively soon. I just want to hug them and say goodbye. And beat...
    persononinternet persononinternet 16-17, M 1 day ago

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    So my folks weren't financially intelligent nor did the bother warning me not to mess up my credit. I'm 31 now and my late teens and twenties are chock full of bad credit and...
    newasexy newasexy 26-30, F Nov 26

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    I am very bad I've cheated on my wife, I give in to temptation and I have bad thoughts about others. There are some people who have wished me dead. I really don't deserve...
    GhostlyDog GhostlyDog 46-50, M 2 Responses Nov 28

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    Yes I'm dyslexic proud of it.. So stop saying I have bad grammar. This place is express yourself not be told you have bad grammar. Let's have fun.
    horneybear79912 horneybear79912 36-40, M Dec 1

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    Really? Interesting, I met one online,he seems wonderful:-) Did you have bad experience in the Netherlands?
    eyesvalor eyesvalor 36-40, F Nov 20

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    When will I ever sleep again? Thinking about taking pills but have bad side effects. I don't know what to do and how to cope up with this.
    MaryJay712 MaryJay712 16-17, F 2 Responses Nov 25

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    I REMEMBER THIS THIS IS WHY I HAVE ADHD (ATTENTION HYPERACTIVITY DISORDER) I REMEMBER WHEN I ATTENDED COMMUNITY COLLEGE WE WERE TOLD TO WRITE AN ESSAY ABOUT THE THINGS AROUND...
    ONESTARRYSTARRYNIGHT ONESTARRYSTARRYNIGHT 26-30, F 1 Response 1 day ago

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    I was raised in a foster family (I was fostered then adopted into this family- and they continued to foster other children). When I was younger I was a loud, confident child and as...
    Alexmoss1990 Alexmoss1990 22-25, M 4 hrs ago

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    So I had first started smoking weed with my boyfriend, and I was 13 at the time, now 14. I tried it for the first time April of last year and the first few times I did it i really...
    nicolexleone nicolexleone 13-15, F 3 hrs ago

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    I've lost more than one friend due to completely losing my sh-- over something totally unwarranted. Most recently I perceived that I had been wronged by a new but dear friend (I...
    cssoulsearching cssoulsearching 26-30, F 11 hrs ago

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    I had a rotten dad that was "there" but we all wished he wasn't, because all he did was yell, and beat us with belts and put us down. But because he stayed and "took care of us...
    borielis borielis 61-65, M Nov 30

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    So it's the season of good will. I planned to visit my grandparents this year for Xmas. They decided to invite my mum. Anyho I planned to buy Xmas presents months ago for the 15...
    lilygeorge12 lilygeorge12 22-25, F 4 hrs ago

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    Am 22 single and still studying And I want to have a baby so bad I would kill someone for it But I can't have a baby unless I was married or have a job I want a baby to hug and...
    collegegirl20 collegegirl20 22-25, F 2 Responses 2 hrs ago

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    So NOW he wants to go to counseling and work on it! NOW. After years and years of me begging, pleading, and crying. After we have gone to the breaking point, after I have given...
    plhwish plhwish 31-35, F 3 Responses 3 hrs ago