Post
Experience Project iOS Android Apps | Download EP for your Mobile Device

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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    Related Experiences

    I often have bad breath--even though I brush my teeth and everything, not long after that, it comes back. Never really know how to fully get rid of it. It's just something I've...
    QUINN961 QUINN961 22-25, M 2 Responses Jan 4

    Your Response

    Cancel
    I have been smoking since I was 11, and smoking about 2 packs per day since middle school, and 3 packs since before HS graduation. Now I'm 22. I had braces for a few years from 8th...
    html92 html92 22-25, M 5 hrs ago

    Your Response

    Cancel
    Sometimes I feel like I'm a jinx because a lot of times I bring bad luck even though I don't mean to. When I first got with my ex, he lost his job and went broke, before me he was...
    Feliciajake Feliciajake 16-17, F 1 Response Jan 8

    Your Response

    Cancel
    They hurt so bad :( I have a horrible fear of the dentist too.
    MysticIllusions MysticIllusions 18-21, F Jan 1

    Your Response

    Cancel
    I got my first glasses when I was 4 my kindergarten teacher noticed me squinting and told my parents. When I went to the eye doctor and got my glasses my parents were told I...
    madison16 madison16 16-17, F 1 Response Jan 2

    Your Response

    Cancel
    My sisters friend was staying over and I stay up longest so when they fell asleep I put my *** on her friends face and just couldn't stop farting it smelled so bad!
    GassGirl03 GassGirl03 22-25, F 2 Responses Jan 3

    Your Response

    Cancel
    Ok, I really need help here. My mom restricted EVERYTHING on my phone. My stepdad won't let me go out with my friends. They won't let me do anything, just ANYTHING fun. Every time...
    LittleCutiePie7124 LittleCutiePie7124 13-15, F Jan 13

    Your Response

    Cancel
    I had a terrible day, but I'd rather hear about yours. (good or bad)
    Zombree Zombree 26-30, F 19 hrs ago

    Your Response

    Cancel
    Welp, I just dumped two of my closest friends today. They both threw an ultimatum in my face, them or my fiance. They decided this because a couple months ago, they asked me to...
    Jesheny Jesheny 22-25, F 3 Responses Jan 2

    Your Response

    Cancel
    I'm trying to sit in this $300 chair I bought. My desk is sooo tall. I have to put my chair as high as it will go and rest my feet on a filing cabinet to type. My chair isn't even...
    tlee5001 tlee5001 22-25, F 1 Response Jan 4

    Your Response

    Cancel
    Well, haven't got that far but I see where it could come. My last attack was the 1st week in December, lasted four days. I just wanted to be alone, could not be around people. I...
    ernie222 ernie222 56-60, M Jan 7

    Your Response

    Cancel
    To be a champion, I think you have to see the big picture. It's not about winning and losing; it's about every day hard work and about thriving on a challenge. It's about embracing...
    tiya78 tiya78 26-30, F Jan 12

    Your Response

    Cancel
    10th March 2008, 30th January 2010, 6th March 2012, 21st August 2014 and 25th January 2015. Worst days of my life, to date. Today I have no confidence, feel embarrassed to be me...
    Nexile90 Nexile90 22-25, M 4 days ago

    Your Response

    Cancel
    It was at least 9 years since I would consider I had any kind of childhood. Time is supposed to separate feelings from the present but time makes it worse for me. It feels like I'm...
    WonderingOfTheSoul WonderingOfTheSoul 18-21 1 day ago

    Your Response

    Cancel
    My luck is the type to where I'll be finally pulling through my depression and being happy.. Then die.
    akaShaun akaShaun 16-17, M 1 Response Dec 29, 2014

    Your Response

    Cancel
    I had a nightmare I got hit by a car again and it took me till almost 6 pm to realize it didn't happen. I was in the parking lot at the grocery store and I just started to panic...
    LoverOfAllSouls LoverOfAllSouls 13-15, F 1 Response Dec 31, 2014

    Your Response

    Cancel
    But today wasn't too shabby at all. I didn't think about him nearly as much and when I did it was less sharp. I got to rescue my little girl from class early. I got to play my...
    ZombieBaitMaiden ZombieBaitMaiden 31-35, F 1 Response Jan 6

    Your Response

    Cancel
    I used to get them all the time.I was on the drug celexa for panic disorder.I get them about twice a year now and mini ones that I manage to control.I hate them though because they...
    Confused848 Confused848 26-30, F Jan 10

    Your Response

    Cancel
    once my apartment had a fire and as soon as the alarm went off I hyperventilated and nearly passed out.
    Alexandra398 Alexandra398 16-17, F 1 Response Jan 11

    Your Response

    Cancel
    Never cut a tree down in the wintertime. Never make a negative decision in the low time. Never make your most important decisions when you are in your worst moods. Wait. Be patient...
    tiya78 tiya78 26-30, F Jan 19

    Your Response

    Cancel
    I'm gonna break down and just cry...
    EyelessGlitch EyelessGlitch 13-15, F 1 Response a week ago

    Your Response

    Cancel
    Last night I had a very weired dream and I hope if somebody could interpet this dream for me .i dreamed that I lived in a flat next to an old woman who I did not know who she is...
    Anonymous79ea Anonymous79ea 31-35, F 6 days ago

    Your Response

    Cancel
    Don't know how to control myself. I feel like I'm on drugs being so up and elated to all of a sudden this major come down. I can't have bad days without getting negative comments...
    bananananaxo bananananaxo 18-21, F 1 Response 1 hr ago

    Your Response

    Cancel
    It was 2013 and I was 26 years old when I was diagnosed. I am now 28. It started out with numbness in my extremities and went to cordination difficulties and weakness ending up in...
    JennaMB86 JennaMB86 26-30, F 1 Response 2 hrs ago

    Your Response

    Cancel
    In the past I have had to deal with at least 2 sh^tty bosses who gave more of a d^mn about their job and business than about whether someone gets stabbed in their business or if...
    PaperPlanes88 PaperPlanes88 22-25, M 2 Responses Jan 6

    Your Response

    Cancel
    I had a spinal fusion when younger but feel lucky still because my aortic valve which i check on yearly usually has been okay. I didn't have any of the bad problems growing up...
    AvgDudeJ AvgDudeJ 26-30, M 1 Response Jan 13

    Your Response

    Cancel
    always have bad days on the week of the 14 of January. don't know why. maybe in my head like I am looking for it. sigh soon will be over.
    serendipitousone serendipitousone 41-45, F 1 Response Jan 13

    Your Response

    Cancel
    I just started citalopram for anxiety / depression. anyone else on here take it or have bad side effects or any side effects?
    Kileighco Kileighco 18-21 2 Responses Jan 20

    Your Response

    Cancel
    Today I just got accepted into cooking school today and I'm really excited except.... It's in Wellington the capital city in nz, so i Have to move, I have no where to live, no...
    lifeisnottoobad lifeisnottoobad 18-21, F 23 hrs ago

    Your Response

    Cancel
    You may feel somewhat overwhelmed when you start the mortgage process. Gaining more knowledge is effective in reducing your stress and help you make better decisions about your...
    Ethan3088hnz9 Ethan3088hnz9 31-35, M 1 Response Dec 30, 2014

    Your Response

    Cancel
    offshore retailer Banks let you process enough sales and can help your organization reach its full potential per month to get your business going great guns. You can reduce the tax...
    Georgebankssi1 Georgebankssi1 31-35, M 1 Response 10 hrs ago

    Your Response

    Cancel
    What is the difference between locking my Equifax credit file and placing a fraud alert on my Equifax credit file? The two key differences between a fraud alert and an Equifax...
    neilman13 neilman13 31-35, M Jan 11

    Your Response

    Cancel
    Please explain how "emotional issues" have become the "get out of jail free" card to excuse bad behavior in adults. I know that there are people who truly have diagnoses that make...
    BrainOverridesHeart BrainOverridesHeart 36-40, F 3 Responses 3 hrs ago

    Your Response

    Cancel
    I have been having some anxiety issues lately. Two years ago I tore the cartilage in my knee and ended up needing surgery and later physio. I went back to work again after getting...
    misspaperwait misspaperwait 22-25, F 2 Responses Dec 31, 2014

    Your Response

    Cancel
    Feeling really bad today. Got hit with depression. Sucks because I find more people online who hate me and also there is absolutely nothing good about me. Every single thing I've...
    1lonelydaisy 1lonelydaisy 41-45 1 Response Jan 15