Good or bad credit

[Pjmmtr01]

How many of y'all have good credit?

How many of y'all have bad credit?

I know it's some what personal but would like some feed back on what you do and how to make it better please.

[kinikia95 ADAA Volunteer]

This doesn't seem particularly anxiety/depression related but having bad credit can limit your choices and be very stressful. This is a friendly group but I doubt anyone will want to/should discuss their credit in this forum. From what I've read online things like multiple store credit cards without any collateral behind it put you in a bad light. Obviously paying on time is the best thing. Keep your balances low. Don't use it up toward your limit because that lowers your score. Anyone who offers you a magic solution is playing you. It's slow steady responsible usage that gets your number up.

[Pjmmtr01 in reply to kinikia95]

Lol it wouldn't let me pick what category 🙄 but.... I got scammed so to speak and they wanted to make it like a loan to help build my credit up. So with that being said I pay every two weeks but I wasn't pay.

Crud... I DONT have multiple credit cards from various of stores. Thankfully that's one thing.

[kinikia95 ADAA Volunteer in reply to Pjmmtr01]

Well, if it was a consolidation loan to pay off your credit cards, and if you paid those cards off, and if the interest rate is lower than the the rates of the cards you were paying that could be a good thing - I'm no financial expert by any means (so far from it). But usually you have to seek that out, it doesn't come in the mail. I'm sorry.

[Madison10]

Dear P,

Responsibility and accountability are something we are taught growing up . Try to use one card. Stop using store cards and when looking for a card , find a O percent of purchases and balance transfers. You need a descent credit score. 700 or above. You can Monroe your credit using credit Karma. Com. Only use your credit card when you have to I was a credit manager for 17 years

[Pjmmtr01 in reply to Madison10]

They are not credit cards. Never had a credit card. I got scammed so I have to pay it back and it will boost my credit up if I pay it on time type deal.