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HOW DOES CREDIT WORKS??? DONT UNDERSTAND =(

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Anonymous
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HOW DOES CREDIT WORKS??? DONT UNDERSTAND =(

hello..

 

IM 26 YRS OLD AND I STILL DONT HAVE A CLUE ON HOW CREDIT WORKS =(

PREVIOUSLY I HAD A BANK OF AMERICA CREDIT CARD ABOUT 4 YRS AGO WITH A $500.00CREDIT LIMIT!! WHICH DOES NOTHING!! SO OF COURSE I STOP PAYING IT AND NOW I HAVE A CHARGE OFF ON MY CREDIT REPORT WITH OTHER COLLECTIONS PAID FROM MEDICAL TO CELLPHONE!!

I JUST LOOKED UP AT MY EXPERIAN SCORE AND ITS A 648...

BUT I STILL HAVE ALL THOSE COLLECTIONS AND THE CHARGE OFF ON MY CREDIT REPORT!!

IM TRYING TO DISPUTE MY PAID COLLECTIONS BUT IM STILL WAITING!!

NOW MY QUESTion is ive applied for every single type of credit card discover,amex,capital one and i keep getting declined!!!  my mom recently co-signed me for CHASE but i mean i want to have my own credit card!!

 

CAN ANYONE TELL ME WHAT TO DO???

 

I HAVE SEVERAL STORE CREDIT CARDS

MACYS

TARGET

VICTORIA SECRET

 

thank you!!!

Message 1 of 2
1 REPLY 1
Lel
Moderator Emeritus

Re: HOW DOES CREDIT WORKS??? DONT UNDERSTAND =(

Locking this thread and redirecting to a duplicate thread where replies have already been made.

 

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=170291

Message Edited by Lel on 07-16-2009 09:12 PM
Message 2 of 2
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