who /ruined credit/ here?
222 reporting in
debts include:
600 to state of illinois in unpaid tickets
1000 to hospital radiology department
400 to TCF bank
and of course thousands in student loans
>>24119407
how many thousands in student loans?
>>24119449
>how many thousands in student loans?
~5 to gubmint and 20 to my grandparents.
all i have is $8000 in student loans. i've never paid with credit once in my lifei sell drugs and typically pay for thins in cash
>tfw not even good credit going for me
my shits keeps getting all fucked up.
at least I get to die in the future.
>>24119471
>total debt ~28k
that's not too bad OP, if you can wrangle a decently paying job and cut expenses you could have that paid off in a few years.
Since you asked though
>1100 in credit cards
feels good family
nice one senpai
>>24119547
>that's not too bad OP, if you can wrangle a decently paying job and cut expenses you could have that paid off in a few years.
I'm only a sophomore in college but the next few years should be free because I moved to the state of the school by myself and get in state tuition next year which will be covered by my gubmint grants and loans.
I should end up with like 20k in gubmint and 20k grandparents debt.
Not planning on paying the medical bill until they let me cut the debt into like a fifth of what it is now.
Probably need to pay the bank soon.
Absolutely need to pay my tickets by the end of the year or I won't have a license anymore.
>>24119407
I've got about $40k in student debt.
My credit's getting better from it though, since payments on it seem to count towards bettering it.
I'm already around 610 this month. Soon I might even have the elusive "good" credit.
i think i need to get a credit card, have 15k in loans but thats it
dunno how credit cards work though
i just debit everything or cash
i need a better paying job too
>>24119624
What's your major?
>please don't say English/womyns studies/medieval history
I couldn't fathom putting myself in a whole that deep for a useless education. I'm only doing 45k as a college dropout but I've got friends riding the eternal student train who couldn't even work a lunch counter
Having debt must suck.
>>24119750
>What's your major?
Genetics/pre-med.
Thinking about picking up an engineering minor for a makeshift genetic engineering degree since my school doesn't have that.
>>24119407
A 12 dollar charge on a lowe's account I didn't know existed dropped me to 550. Already have a mortgage tho so don't care really
>>24119806
What was your score when you got your mortgage?
>>24119826
I don't remember exactly but it was like 650~
My family is in the lending business though which actually helped a lot.
>>24119407
>cannot ever discharge in bankruptcy
>still somehow counts against your credit score
Why is this shit allowed?
>>24120061
Oh student loan debt doesn't count against me right now because I'm still in school. My score is shit because I'm only 20 and bank debt RUINS your score. Like it will seriously drop your score 300-400 points if you don't have a good credit history and will still fuck you if you have a good one.
ITT: stupidity
>>24120205
fuck off normie scum kill yourself
>>24119407
>never had debt
>never had a credit card
This means I have no credit at all, right?
