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How Is It Possible For Someone To Have A Credit Score Below 500
Posted on 12/9/19 at 1:19 pm
Posted on 12/9/19 at 1:19 pm
Asking for a friend.
Rent a center?
Carmart?
Rent a center?
Carmart?
19
Posted on 12/9/19 at 1:21 pm to pioneerbasketball
Bankruptcy, loan defaults, missed payments, late payments.
Posted on 12/9/19 at 1:22 pm to pioneerbasketball
You don't need credit if you got straight cash, homey.
Posted on 12/9/19 at 1:22 pm to pioneerbasketball
In college I had 1 credit card that I missed payments on constantly and carried nearly 90% usage on usually (Only like a $1,000 limit). That was my only credit history.
It was retarded as I did not know about the harms of poor credit at the time.
I still had like a 650 credit score
So to answer your question, it's gotta be real tough. Maybe bankruptcy people who have tens/hundreds of thousands of delinquent debt?
It was retarded as I did not know about the harms of poor credit at the time.
I still had like a 650 credit score
So to answer your question, it's gotta be real tough. Maybe bankruptcy people who have tens/hundreds of thousands of delinquent debt?
Posted on 12/9/19 at 1:24 pm to pioneerbasketball
quote:
How Is It Possible For Someone To Have A Credit Score Below 500
Culture
Posted on 12/9/19 at 1:25 pm to pioneerbasketball
I’m not sure but I’m doing my best to find out!
Posted on 12/9/19 at 1:28 pm to pioneerbasketball
We got some shiny bait on the OT today.
Posted on 12/9/19 at 1:30 pm to pioneerbasketball
I get angry when mine dips below 800. Pay your damn bills people.
I am curios. Why does divorce negatively affect your credit?
I am curios. Why does divorce negatively affect your credit?
Posted on 12/9/19 at 1:30 pm to pioneerbasketball
Because once your credit is bad, it can become very hard to get it back up if poor. You need a car...so you go to a buy here, pay here lot and get absolutely raped and that lots sole intention is to take that car back as soon as possible and resell it to the next poor sap.
Then you need a bed, or a couch, etc. So you finance it at 150 percent APR but, hey if you pay it off in 100 days(which you won't), it's same as cash.
I struggled with bad credit for years but dug my way out by never doing any of these. Problem is school doesn't teach you, and a lot of people do not have a clue how to control their credit.
Sucks..but it is what it is. Some make it, some don't. It's capitalism.
Then you need a bed, or a couch, etc. So you finance it at 150 percent APR but, hey if you pay it off in 100 days(which you won't), it's same as cash.
I struggled with bad credit for years but dug my way out by never doing any of these. Problem is school doesn't teach you, and a lot of people do not have a clue how to control their credit.
Sucks..but it is what it is. Some make it, some don't. It's capitalism.
Posted on 12/9/19 at 1:31 pm to pioneerbasketball
Gotta default on a lot of stuff
Posted on 12/9/19 at 1:33 pm to CoachChappy
quote:
Why does divorce negatively affect your credit?
Reduces income?
Posted on 12/9/19 at 1:33 pm to pioneerbasketball
A lot of people consider a loan free money and dont care about paying it back. So easy to get a shite credit score.
Posted on 12/9/19 at 1:33 pm to Gatorbait2008
Pay your bills on time and keep usage below 20%...that has worked for me.
Paying off all debt all the time is sometimes hard, but you just need to minimize it and set up autopay so you never have late payments.
A few years of perfect payment history and shrinking usage will dramatically improve your credit.
Paying off all debt all the time is sometimes hard, but you just need to minimize it and set up autopay so you never have late payments.
A few years of perfect payment history and shrinking usage will dramatically improve your credit.
Posted on 12/9/19 at 1:34 pm to pioneerbasketball
You have to be really lazy and shifty, or work really hard at getting it down there. Extreme medical cases cause many people problems too.
Posted on 12/9/19 at 1:35 pm to CoachChappy
quote:
. Why does divorce negatively affect your credit?
typically the guy gets stuck with most/all of household debt, alimony, child support and her attorney bill, judge bases his ability to pay based on gross income only, does not factor in any expenses the guy may have
Posted on 12/9/19 at 1:38 pm to pioneerbasketball
Not paying bills on time. Letting things go to collections.
I’ve been there, it’s not that hard. The hardest part is working your way out.
I’ve been there, it’s not that hard. The hardest part is working your way out.
Posted on 12/9/19 at 1:40 pm to pioneerbasketball
Getting locked up for violating your probation, disabling you to make student loan payments.
So essentially going to the big house puts you in the poor house.
So essentially going to the big house puts you in the poor house.
This post was edited on 12/9/19 at 2:32 pm
Posted on 12/9/19 at 1:59 pm to 777Tiger
quote:
typically the guy gets stuck with most/all of household debt, alimony, child support and her attorney bill, judge bases his ability to pay based on gross income only, does not factor in any expenses the guy may have
That makes sense. I never thought about all of the extras. The way people say it; it just sounds like getting a divorce screws you.
Posted on 12/9/19 at 2:00 pm to CoachChappy
quote:
it just sounds like getting a divorce screws you.
if you are not in possession of a vagina it normally does
Posted on 12/9/19 at 2:03 pm to CoachChappy
quote:
Why does divorce negatively affect your credit?
Some people (foolishly) stop paying on "his" or "her" debt.
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