Graduated high school in 2004 and started working part time slightly above minimum wageand shortly after I got my first credit cards. Shortly after that my cards were maxed out and guess who couldn't make minimum payments??? This guy!!!! Cards went into collection and I settled or paid them off and never got another card again. Fast forward to 2013 Trying to get another vehicle. I was told that my credit wasn't the worst but I didn't have any revolving credit and that was making it hard for me to get approved. I thought to myself "BS". I went online and did some research and found that what they told me was true......Now I have several cards with balances and paying them down to zero with an estimated completion of Jan 1 2016...Some of my cards are considered to be predatory (Credit One and First Premier) I don't plan on using them very much outside of Netflix and Spotify for entertainment. I'm hoping to get a Citi, AmEx and a Discover and replace a few cards....But that's late next year or the year after. I have 2 lates on my car and 2 collections 1 of which should show paid soon and hopefully the other will too. I paid them because I don't want to appear to owe anyone.
