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I Have Bad Credit

Personal Stories, Advice, and Support 45 People

    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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    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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    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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    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...
    cdwishimatgurlCalandraBelle cdwishimatgurlCalandraBelle 36-40, M 1 Response Sep 15, 2007

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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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    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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    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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    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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    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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    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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    Related Experiences

    I want to kiss someone. I really just want to do that because it's been some time and you know what I feel I deserve that but the problem is I just can't seem to find anybody...
    eagi eagi 26-30, M 50 mins ago

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    Not really bad but I'm tired and I don't feel like getting up to do it. Idk soon it'll feel uncomfortable then I'll eventually get up.
    LadyTxxx LadyTxxx 18-21, F 1 Response 1 hr ago

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    I find the happier my days are the harder and lonlier my nights are. The highs are wonderful but the lows are awful. No matter how hard I try I can't even out! I just want to feel...
    sleepingwaitingformydream sleepingwaitingformydream 36-40, F 2 Responses 19 hrs ago

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    I am going to try putting my picture for my profile pic up again for awhile. Hope things go better this time. I was sick of the weird messages and comments
    strawberyblond strawberyblond 70+, F 5 Responses 1 day ago

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    Pushing out a lot of big farts :p
    heyitselly heyitselly 13-15, F 1 Response 2 days ago

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    People say not to look to the past. I'm not sure if it's a blessing or a curse, but the past isn't an option for me because I don't remember it.
    MrPoolofsouls MrPoolofsouls 16-17, M 1 Response 2 days ago

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    And today was one of them.......
    sagespoo sagespoo 16-17, F 1 Response 2 days ago

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    Like today. It's like the universe is conspiring against me. So I want to go walking, then it starts to rain. When I come back in it stops. When I plan to go out again, I lose my...
    DiabolusInMusica DiabolusInMusica 31-35, F 2 days ago

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    Pretty gassy right now, probably because I need to poop.
    heyitselly heyitselly 13-15, F 3 days ago

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    LOL. I will try to improve, okay? :)
    blitzkrieg7 blitzkrieg7 22-25, F 2 Responses 3 days ago

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    today was horrible but tomorrow is Friday :)
    sierraseptember sierraseptember 26-30, F 1 Response 3 days ago

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    someone needs to help me out here. i was engaged to a girl her name is steph and she is crazy as ****. hacking into all of my accounts, taking my credit card, ******* with my...
    thudrocran thudrocran 18-21, M 1 Response 3 days ago

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    Only Facebook doesn't have bad days. Avoid Facebook.
    wouldiknow wouldiknow 31-35, M 3 days ago

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    yes,but everyone does at times you just have to learn to work through them and make the best out of it!
    cieloissky cieloissky 16-17, F 4 days ago

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    I have A LOT of bad days I just don't get it
    aby2015 aby2015 13-15, F 3 Responses 4 days ago

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    My god. It's been a string of awful days. One after another, combination of dumb mistakes and disappointments. I need a ******* vacation. Maybe I need to simplify my life...
    scrp117 scrp117 26-30, M 4 days ago

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    I have some of the oddest dreams. The problem is those dreams usually wake me up in the wee hours of the morning and keep me up for way longer than I like. Over the weekend I...
    MsJessicaRabbit MsJessicaRabbit 26-30, F 1 Response 6 days ago

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    I have to go away for a while. I got hysterically upset cause a bad memory came up and reality hit me that nothin has changed since than so long story short I slammed the door in...
    CreepypastaFan2016 CreepypastaFan2016 16-17, F 6 Responses a week ago

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    I haven't thrown up in a week! But, a lot of that is because my teeth hurt. I hate that I ****** my mouth up so how I'm fat and I have bad teeth.
    miabell33 miabell33 22-25, F 1 Response a week ago

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    I'll just... Listen to music and try to not think on the knife that I have under my bed
    Rustedarmor Rustedarmor 22-25, M Jan 30

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    Luck needs to **** off, always ruins my plans.
    Calamityy Calamityy 22-25, M Jan 29

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    I am trying to break a very bad habit...bad men,bad judgement and letting go of a relationship that makes me feel insecure. Now I know happiness comes from within but I am...
    4getmenot79 4getmenot79 36-40, F 11 Responses Jan 29

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    My bus just got into an accident cause my bus drive is a total impatient person he hit another van and now we have to wait for the cops to get here!
    CreepypastaFan2016 CreepypastaFan2016 16-17, F 1 Response Jan 28

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    Some people say(oh it is not a serious illness, it is just a fancy name for a sluggish thyroid gland). I think that it is a serious illness, it is very challenging at least to me...
    lonelytone lonelytone 31-35, F 4 Responses Jan 27

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    I'm feeling super aggravated right now. I've worked very hard paying off my bills. I knew that today was the deadline of the Pay-No-Interest for 12 months. But work was sooo busy...
    airzm airzm 31-35, F 4 Responses Jan 27

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    There is something very freeing when you walk away from bad complicated situations. And when that event, that big upset in life, is simply an insight now, isn't that a strange...
    Solegne Solegne 41-45, F 3 Responses Jan 26

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    "Tell me this," my bff said, taking a sip of wine and chasing it down with a gulp of cappuccino, "what does happiness mean?" What does happiness mean?, I thought for a flash of...
    Solegne Solegne 41-45, F 1 Response Jan 26

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    A Bad Girl is a Good Girl who got hurt one too many times i am a Good Girl because i am Bad Girl and i am a Bad Girl because i was a Good Girl but i won't make that mistake again
    SophieSophLJ SophieSophLJ 18-21, F 5 Responses Jan 25

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    I may have this learning disability, but I don't let it engulf my life. If I have difficulty with a subject such as division, multiplication, adding and subtraction. Most people...
    Mariahehe Mariahehe 22-25, F 2 Responses Jan 25

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    A few weeks ago I was chatting with a much younger colleague at work and the subject of school punishments came up. She, being the tender age of about 25, told me how her unfair it...
    Debtor1 Debtor1 36-40, M 1 Response Jan 25

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