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I Have Bad Credit

Personal Stories, Advice, and Support 46 People

    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    Related Experiences

    I don't necessarily have bad teeth . I have a front Gap that I love . Maybe one day I'll get adult-braces or invisalign, but for right now I'm good. Straight teeth might take away...
    Alylovespuppies Alylovespuppies 16-17, F Aug 24

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    Bad teeth gave me confidence... when i was younger i had the best teeth ever them being milk teeth they fell out..m adult teeth i believe are the worst ever instead of being...
    twinkieblue twinkieblue 22-25, F 1 Response Aug 21

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    I don't know how I did it but I somehow managed to not write any stories over the summer. It was hard to fight the urge because I'm a bit of writer and when ideas come I just want...
    Dreamer32 Dreamer32 26-30, F 1 Response Sep 2

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    Not even bad luck, it's more like no luck.
    Shygirl917 Shygirl917 18-21, F 2 Responses Sep 2

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    I'm having a bad day. Week. Month. Year. LIFE.
    tianajade tianajade 18-21, F 10 Responses Sep 12

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    I think my bad days are about to start again . I don't know how to get over it
    Johnnystha Johnnystha 26-30, M 4 days ago

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    I thought today was a good day ! Until I saw that 1 persons face ! Ugh have you ever just gotten in a bad mood, just by looking at someone ?
    bluegirlie98 bluegirlie98 13-15, F 3 Responses 4 days ago

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    Omg we are going back to school in about 2 weeks and I'm freaking out, I have a lump in my throat again how will I manage another year like this? Help me :((
    acissej10 acissej10 13-15, F 1 Response Aug 21

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    Without my glasses I am helpless, which sucks cause I hate glasses. I have had glasses for 10/17 years of my life. Now, at only 17 years old I have a prescription of -8.00 in both...
    sarasstories sarasstories 16-17, F Sep 1

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    I have a dream that I shot myself in the head. I've had that dream so many times recently ): I'm losing hope... I know I'm messed up in the head, and I already think about that...
    NegativePulse NegativePulse 18-21, M Sep 7

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    Its very bery easy for me to have them.
    Livyn4pals Livyn4pals 46-50, M Sep 8

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    It used to be much worse. Just a year ago, there were gaps in my memory ranging anywhere from a matter of minutes to a matter of years. False memories would endlessly generate and...
    thetalkingmushroom thetalkingmushroom 18-21, M 2 Responses Sep 12

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    I fell from the stairs at school about one story high and knocked myself out 😓 and by the time I woke up (just now) I find my big brother going through my phone (Bruno I'm so...
    johannesc4 johannesc4 13-15, M 5 days ago

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    So much built up tension was released the other day, i had so much going round in my head and it had to all come out. I have sat for 15 years and observed, and listened and taken...
    Gentleandlovingsoul Gentleandlovingsoul 36-40, F Sep 12

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    My teeth are awful. When I was younger I never brushed my teeth as I hate Mint and now , even though I do brush my teeth , I am seeing the consequences of my malnourishment . I'm...
    hannahleonard23 hannahleonard23 13-15, F Aug 24

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    I somehow managed to smash my grandmothers $200 per lamp, lamps in under 10 seconds. Oh great. :((
    TheSongPlaysWithin TheSongPlaysWithin 16-17, F Aug 24

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    I am just in a miserable mood today and no reason for it. Snap out of it.....
    Dlgadlga Dlgadlga 51-55, M Sep 3

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    I ifnally get some time to just chill and sit here and everything is going soooooo slow D;
    Jessiesgirl98 Jessiesgirl98 16-17, F 2 Responses Sep 12

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    I forget my own birthday and age from time to time.
    Vumsy Vumsy 18-21, M 1 Response Sep 13

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    I forgot what were we talking about?
    Penguin47 Penguin47 66-70, M 1 Response Sep 13

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    My memory is awful il think of something then forget it & I'd be doing something then go to the wrong place & just say what am I doing like this one tine I put the chicken patties...
    ThaQueen1 ThaQueen1 18-21, F 4 Responses Sep 13

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    I hate it because I always forget really amazing memories and simple things like my old teachers, my old friends, adventures I went on...and I want to be able to hold on to those.
    Cece4 Cece4 18-21, F 1 Response 6 days ago

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    I haven't in a while though. Life's been so good lately and I don't plan on thinking about it ever again. But when I was younger I did. I've thought about it seriously three times...
    genericidiot genericidiot 16-17, F 1 Response 40 mins ago

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    I am a bad luck charm so who ever hangs around me or come near me you have bad luck for the whole day and who ever makes fun of me you will have bad luck for life until I choose to...
    DemonofDeception DemonofDeception 18-21, M 1 Response Sep 10

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    I honestly don't really know if it's official or not, and I don't want to go to a doctor. I think I'm fine managing by myself. I started to have bad anxiety/depression since last...
    AwfullyRad AwfullyRad 13-15, F 1 Response 3 days ago

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    I have bad vision :( but I do like my glasses. I think I look better with glasses than without.
    truthtobetold truthtobetold 13-15, F 3 Responses Sep 2

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    Can you have bad dreams without them being nightmares? What's an example?
    akaShaun akaShaun 16-17, M 5 Responses Sep 4

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    Thinking about changing my username (DisasterLand) to SurrealismLand. Don't know why a stupid username means so much to me but it does. Everyone one of mine has had deep feelings...
    disasterland disasterland 18-21, F 3 Responses Sep 11

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    how do you love your self as i loathe myself i need love but cant receive my kid parts super angry at my parents as when i was younger i needproper parents and it so affected big...
    hannahabbie hannahabbie 46-50, F 3 Responses Sep 11

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    I can go against peer pressure! All my life I've been my own person and quite independent! I remember back at school people seem to put people in groups depending on what type of...
    MilweePetite MilweePetite 18-21, F 1 Response a week ago

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    My life started in 2012, I was born in 1987. Those 25 years have nothing to do with me. Part 1 I was stuck in a bad relationship. And when I say stuck I mean I wasn't allowed...
    NinaBobina NinaBobina 26-30, F 1 Response Aug 23

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    Enabled portal that renders not merely its custom CMS but in addition syndicated articles from other written content vendors for an agreed charge. There are generally 3 romance...
    Anthony825d5cr0 Anthony825d5cr0 31-35, M Aug 25

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    It may sound complete B.S so you are warned in advance. Still want to read? OK then. Knowing that I don't have the valid means to defends my actions, my point of view or my logic...
    YMITheWayIM YMITheWayIM 36-40, M 6 hrs ago

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    Due to many years of neglectful and loveless marriage, my depression has come back . I've tried to hide how bad things Are from family and teenage kids but the burden is too much...
    piscean1965 piscean1965 46-50, M 1 Response 11 hrs ago

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    I hate delivering bad new to people. I feel like the bad guy and always chicken out. I'm technically still in a relationship with a kid I kew in the first grade because I couldn't...
    Madis9957 Madis9957 13-15, F 2 Responses 4 hrs ago

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    I hate my job. I didn't always hate it, but I do now and with a passion. The thing is, I really wanted this job....BAD! When I started here I worked one day a week, four hours...
    gracienglory gracienglory 41-45, F 1 Response Sep 5

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