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I Have Bad Credit

Personal Stories, Advice, and Support 45 People

    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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    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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    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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    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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    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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    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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    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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    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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    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

    I seem to have bad taste in everything...
    Bflyboo14 Bflyboo14 13-15, F 3 Responses Oct 28

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    I reckon it'll be quite rare for someone to admit this. We'd all like to think we 're pretty cool in our music tastes. Well. Chances are, if you have a singles collection,(that's a...
    picklebobble picklebobble 46-50, M Oct 29

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    Not "bad-teeth" just a crooked smile 😊
    Onechoice Onechoice 31-35, M Nov 9

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    Things break. Open flavor pack with teeth. Juice everywhere. Try with knife. Bleed. Get given trailer. Generator breaks. Add solar panels. They drain...
    OddlyScintilating OddlyScintilating 46-50, M Nov 16

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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 a week ago

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    I eat fruits and drink vegetable juices everyday, limit my fast food consumption for only once per two months and junk food once per week and my skin is still bad as hell. My girl...
    GuitarJacque GuitarJacque 18-21, F 4 days ago

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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 1 Response 1 day ago

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    No wonder I have nightmares all the time...
    Vagabond01 Vagabond01 16-17, F 1 Response Nov 4

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    I really don't know how to deal with my mood swings. They have been causing problems in my relationship. Taking my anger and sadness out on my boyfriend for no reason. Anyone have...
    anawat83 anawat83 31-35, F 1 Response Nov 4

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    i have dated about 10 men in my life time and im 22 old and only my first bf seemed to be sane, after that every guy i dated has somekind mental problems with insecurity or...
    BethLeKitteh BethLeKitteh 22-25, F 1 Response Nov 8

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    I was raised with a physically abusive alcoholic father and a verbally abusive mother. every relationship I have had over the years has ended up being verbally abusive. how many...
    blueeyeddevil18 blueeyeddevil18 36-40, F 1 Response Nov 9

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    https://m.youtube.com/watch?v=qLYoJgbybes When it first started I was like "hmm, it's not TERRIBLE..." And then at 0:10 I was like "holy shat... Satan has taken this poor boy...
    Bflyboo14 Bflyboo14 13-15, F 1 Response Oct 28

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    When I am late for anything in a dream, I will wake up in a state of panic. I had a dream about almost being stabbed to death by an escaped mental patient and that was fine, but if...
    sjt127 sjt127 18-21, F Oct 31

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    there's nothing like thinking you're friends with someone and realizing that you really don't mean anything to them. I'm so ******* done with people. You don't like me? Well, fine...
    tiredjeans tiredjeans 18-21, F 1 Response Nov 1

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    In 2006 the roof of my house fell on my head, It broke me two cervical vertebrae. In 2010 I had appendicitis, directly to the operating room. Now it's my gallbladder... What will...
    BettaSkiza BettaSkiza 18-21 2 Responses Nov 2

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    I was(still am) stressed out about my fight with my mom and I was thinking about it too much and lost focus while driving and crashed my car. The traffic was slow so nobody got...
    dusk12 dusk12 22-25, T Nov 6

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    You wouldn't know it unless you knew me. The real me.
    kaixin97 kaixin97 16-17, F Nov 7

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    But better than some. Reading glasses warped it. As did sitting on prescription glasses. Or stepping on them. Or dropping them. And being poor.
    OddlyScintilating OddlyScintilating 46-50, M Nov 17

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    One minutes I'm happy the next minute I'm depressed then I'm angry. I hate my life so much it make me sick when I think about certain things from my past.... God please bring peace...
    Ace2117 Ace2117 22-25, M 2 Responses Nov 19

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    I may be getting put on probation...
    DeterminedToMakeLifeWorthIt DeterminedToMakeLifeWorthIt 16-17, F a week ago

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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 a week 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 1 day ago

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    So, it's been really difficult. Yesterday, my boyfriend and I decided to take a drive. I was the one driving and I didn't really have any single destination in place. We went to...
    ChantelSurvived ChantelSurvived 22-25, F 5 Responses Nov 1

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    I have bad acne and I don't know what to do , every time I talk to someone I feel like they will thinking something bad about my face , maybe that is just me , but it is really...
    kevinfunnywu kevinfunnywu 13-15, M 4 Responses Nov 4

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    On my mother's side women have bad relationships with their fathers. Same goes for me.
    SunsetTears SunsetTears 18-21, F Nov 16

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    I'm 5'5 and was about 112 pounds but I've barely been eating and I've lost 4 pounds in a week. Is this a dangerous decrease in weight? I've been having a hard time eating because...
    Rosaalie Rosaalie 18-21, F 7 Responses Nov 3

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    So i thought i would post on here because i don't have anyone to talk to. So basically i'm 16, i have a lot of problems.. I am deeply depressed, i have bad anxiety/social anxiety...
    FellInReverse FellInReverse 16-17, M 1 Response Nov 7

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    I had a nervous breakdown 20 years ago and wasn't hospitalized. I lost my children to rich people and was homeless for 20 years. I have OCD< ADD, Fatherless Daughter Syndrome...
    growth60 growth60 61-65, F 1 Response Nov 9

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    I hate this I have bad allergies this cat is getting to me !!! I feel like killing myself this world is harsh
    amandalovee24 amandalovee24 22-25, F 1 Response Nov 13

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    I have IBS. I have had it since I was 15. It seems all I do is have bad gas and have frequent bowel movements(15-20) a day on a good day I gob10 to 12 times a day. I have stomach...
    louse24 louse24 22-25, M Nov 19

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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 a week ago

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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 3 Responses 3 days ago

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    ...and I'm still recovering. I used to wonder about my father... how little things could send him into a rage. How his words and actions always mismatched the perceived offense...
    DubstepEnderFox DubstepEnderFox 26-30, F 3 hrs ago

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    Let me start with I have a problem. I'm only 19 and I have always been drawn to older women that have a strong personality. I went to job corps and Miss Maria was my 3rd shift...
    patriotslover21 patriotslover21 26-30, F 1 hr ago

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    Marriage There are two kinds of things in life, basically: logical, and emotional. Emotionally driven things tend to turn out badly, for me anyway. I’ve been in love 7 or more...
    Regrets472 Regrets472 26-30, F Nov 11