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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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    Related Experiences

    Last November (29 nov ) i met this wonderful guy from Europe on this site. he was the one to messaged me and we chatted and it just clicked. i'm bad at talking to people and...
    missnicething missnicething 18-21, F 3 Responses Apr 7

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    Have bad days and today is one of them! Could not sleep last night until 3 am only to be woken up by 2 year old who would not let me sleep or move to get comfortable.
    rosesheart rosesheart 26-30, F 2 Responses Apr 8

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    I didn't do well in this test. but they heard about my results. they literally didn't give me a minute of computer time since then. but what can i do? i did the best i can! and...
    player6598 player6598 13-15, M 5 days ago

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    A little binge here and there adds up. -_- cmon chicka..u can do better than this. A day at a time to reverse bad habbits. XD
    HigherCalling HigherCalling 26-30, F Apr 15

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    Not bad just discolored from sucking on a pacifier and drinking chocolate milk out of a bottle for so long as a kid, a lill crooked too.
    MTBlake33 MTBlake33 22-25, M Apr 17

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    My friend and I had a fight last Friday. I told her that she's been hanging out with her boyfriend more than me and her other girl friends. She's been posting selfies of her and...
    Rosemaryqueen1 Rosemaryqueen1 13-15, F 1 Response Apr 7

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    anyone have a habit of biting their own toenails off?
    nronic1 nronic1 18-21, M Apr 7

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    I got all my friends something for their birthday but none of them got me anything. they didn't even wish me a happy birthday and I always treat them out to eat. when they dont...
    xxxyl xxxyl 16-17, F 1 Response Apr 23

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    I have days where I just shut down. Yeah, I'm doing okay and better than I was. Though I have those days where I'm sad and don't do anything. I hate those days
    EssSmith EssSmith 16-17, F 3 Responses Apr 24

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    I have the same dream over and over nearly every time I go to sleep. Since September.... Someone I really care about that won't talk to me killing himself and its terrifying and I...
    AsCharleigh AsCharleigh 18-21, F 5 days ago

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    Today is one of those. He manipulates me and I let him. Belittles me and I let him. Controls things and I let him. I'm the problem....
    Happinessismine Happinessismine 31-35, F 3 Responses Apr 8

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    I had a terrible nightmare last night, and I can't get over it. I was raped, and I didn't know by whom and I was suddenly like four months pregnant. Everyone at school was laughing...
    zydeko zydeko 18-21 Apr 11

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    Usually they are about my suicide. I actually enjoy them.
    zydeko zydeko 18-21 Apr 11

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    I am so aggravated today and I really wish I weren't I've just got so much crap going on and I wish I could just get rid of all of it.
    wreckofagirl wreckofagirl 22-25, F Apr 11

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    I'm not sure what it is, depression or having no way of releasing my anger. I'll throw things without i can even think about it, say mean things, become kind of agressive, and then...
    SaintInHell SaintInHell 18-21, F Apr 16

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    So tonight my friends picked me up and we were suppose to go to a haunted bridge and got lost twice, so it took two hours.. Just to find out, the bridge was closed tonight...
    akaShaun akaShaun 16-17, M Apr 16

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    When you arrive at work and they tell you someone wants to cover your shift, but her phone is off. 👎
    RMDk RMDk 26-30, F Apr 18

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    Anyone with -4.5 ?? It sucks doesn't it?
    deleted deleted 26-30 2 Responses Apr 20

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    I can't help but slump in front of the computer. Spent a few hours there and now the top half of my back hurts. Always happens. I find sitting straight is uncomfortable and...
    1lonelydaisy 1lonelydaisy 41-45 1 Response Apr 23

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    Particularly with guys. Somehow the universe messes with the stars and destines me with men who i find very attractive, to be gay. I am for gay people, don't get me wrong, but i...
    Garcinia Garcinia 16-17, F 1 Response a week ago

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    I go out to eat for the first time in like 2 months and now I'm sick. Great.
    akaShaun akaShaun 16-17, M 3 Responses 2 days ago

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    My ex wife came from a family with money. I came from a blue collar family that barely scraped by. Sometimes two great people can make monsters out of each other. We divorced in 20...
    cbcs cbcs 31-35, M 1 Response Apr 21

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    I only excuse elderly and some poor folks for having stank breath but it need to be taken care of if possible. On thursdays and fridays I do home care work on the side and I have a...
    Outofeden Outofeden 31-35, F Apr 9

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    I forgive my mom because she has depression and all sorts of health problems that makes her a sad and angry person most of the times. I know she's been thru a lot -she was a raped...
    Tealismyname Tealismyname 26-30 1 Response Apr 22

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    I admit that I have social anxiety. It has held me back in my life. I would like to overcome my social anxieties. I know that with steady effort and willpower, I can and I will...
    chaekowski chaekowski 26-30, M Apr 20

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    doing the dishes never takes as long as I think it will. when I look over at a full sink I think "ugh. that'll take like four hours!!" I have bad time judgment. dishes take like 45...
    ZenaMarie ZenaMarie 22-25, F 5 Responses 5 days ago

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    I have to take the IB English exam tomorrow and I'm scared because I could really use the college credit. I'm scared!
    kbmusical kbmusical 18-21, F 34 mins ago

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    I’ve been dreaming twice at night lately. First when I dream I am, as the best way I can describe it, a ghost. I can walk through walls, hover, fly and such. Each time I go dream...
    LoveLessOne97 LoveLessOne97 16-17, F 10 hrs ago

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    "Booksmart" "You don't use your brain" "Do not make decisions on your own anymore, ask me before you do anything" "F*** U" "Stupid" "Lazy" And that's not even half of it. I can...
    DearYou DearYou 22-25, F 1 Response Apr 25

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    When you are successful, You get credit more than you deserve. When you fail, You are not credited for even things you earn.I think the world follows Newton's conservation law...
    deleted deleted 26-30 Apr 7

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