After reading Xavierette's thread about who is in debt...Im just curious to know who has already fukked up their credit sine they been in school by using alotta credit cards in which they know they cant pay back...I know I have friends who have fukked up their credit already which is a bad thing...
My credit is good. I dont have alot of credit to show...but of what I do have it is good, and continually building up.
mine is non-existant.. I usually just pay cash for everything.. It has never occurred to me to get a card... hmm.. maybe I'll get the Northwest card w/ dollar-miles mileage.. hmmm.. Do I really need one? cuz I don't buy anythign unless I have the money for it..
I have no credit which is worse than bad credit. No one wans to give you a credit card cuz u have no credit, but u have no credit cuz they won't give u a card. If u are offered one you have to pay for it. At that rate i might as well pay cash. Thas f***ed too cuz i sho gon buy that dooney purse w/ the card too.
I wouldnt agree with that...I mean having no credit is just showing you cant prove to bye anything right now cause you have never had to buy anything with credit, cause u have no previous credit history. But its ALOT easier to build ur credit from scratch than to fukk it all up, and then try to rebuild and repair it from there. Cause once your credit is shot depending on how fukked it is, it takes a long time to get it in good standing again.
What does it mean when everybody and they momma are sending you credit card applications. Freshman year of college everybody was like brace yourself...and don't apply. But it didn't happen...i may have got a couple credit card applications. Now that I'm bout to be a junior I get a credit card application about every day. What's up with that?
You could say that both are equally bad, but man everytime someone pulls your credit and sees that you don't have any that don't give you the satisfaction of tha doubt that maybe the person can pay for it. All they see is no credit so no chance to build it. The thing about is that if a person has bad credit they can find ways around the situation. Some places still give people with bad credit an easier time than those without it. Bad credit kinda shows that maybe the item(s) in discussion were too much or the pament swere unbaerable whateva. They can at least see that may have tried to pay for the stuff.
