would you say you really had your credit together and maintaining if better than before---(I know sometimes probably happened to some that couldnt be prevented like loss of job, divorce, etc...) Just wondering do most got crazy with it have no respect or understanding of it--then wake up and get things right--or is some just born with the gift of credit smarts 
I am 28 filed BK in 2003 was upset when I had to but really it wasnt because of CC debt it was a whole lot of other mess--anyways--I told myself it will be gone and over before I am 35 ..and I will never go it again --and after it I wanted to be nothing but successfull--it has been a ride the past few years since it---really did no apping cause never thought I could get anything--took a hit on a few 30 days late--none in over a year and some change though--and finally 2007 has rolled around and I am at a point I didnt expect so soon but definitely appreciate--bought home in 2003 and a car that I wanted in 2007--with rates I would have never imagined and as for the car it can still go even a little lower--will try that out in 2009 or something---
I know I have a ways to go--one need accounts to gae--second since I have never been able to app without being told DECLINE--gotta grow out of that phase too--however I havent appd no stores that I know I cant benefit from so thats a plus---now if I can one day own an AMEX card I will feel very accomplished---however I feel I am managing it well and proud of myself 
..I was telling some friends--its kinda shocking I got all this credit now that i nevfer had and I havent went out splurging unnecessarily or overspending--still saving and all that good stuff--
..I was telling some friends--its kinda shocking I got all this credit now that i nevfer had and I havent went out splurging unnecessarily or overspending--still saving and all that good stuff--I guess it was good to get the credit after my young life spending season when I have more responsibilities than back when bills were minimal if even heard of
Cheer up, I finally figured out what was what around the time of my birthday last October. I'm 53.
haulingthescoreup wrote:
Cheer up, I finally figured out what was what around the time of my birthday last October. I'm 53.
Wow Marty that makes it even more interesting sounds good to know info is coming from some people who have been around and know a whole lot more than you know--thats definitely called WISDOM to me !!!
Wisdom and experience vs slow learners! 
@Anonymous wrote:
That's definitely going to be me. I'm so hard-headed. I know all this stuff about credit...but I can't practice what I preach!
@haulingthescoreup wrote:
Cheer up, I finally figured out what was what around the time of my birthday last October. I'm 53.
Yep, there's knowing, and there's doing.
