Are you good credit? Iam bad credit. YOU?
133536
Since I am responsible with my money and know how to take care of my finances, I have a FICO of 750. Not too shabby for a 23 year old.\n\nAnd I think the proper way to word your question would be to say "Do you have good credit? I have bad credit" Not asking if somebody IS credit
510060
Some of the points Chris J made are good, but I have to disagree with his recommendation to obtain any sort of credit card.  Easy credit and lack of self control is probably what put you where you are today.  Trying to manage some "good credit" while you are fixing the "bad credit" is a losing proposition.  Develop a budget and focus on paying off all of your outstanding debt.  DO NOT use credit for anything while you do it.  Go to a cash system (maybe a debit card).  If, and only if, you finally become financially responsible, then you can consider building your credit.  Google Dave Ramsey and read about his ideas.  Despite the myths perpetuated by the media, you don't need credit.  The only credit you should ever use is a home loan.  I know someone who had no FICO score and still managed to acquire a mortgage.  \n\nYour best bet right now is...if you can't pay cash for it, you can't afford it.
315992
If you have bad or poor credits and want to re-establish your credit, these are the special cards for you such as USA Gold Shopping Card, USA Gold Optimum, or Orchard Bank MasterCard. Since you credit history is bad or poor, you will be only given a small credit line. And you might have to pay a higher interest rate than that of regular credit cards. But if you are determined to get your credit back to good standing, apply for one of those credit cards and always make the minimum monthly payment, or even better - pay off the balance every month. Your credit lender will be willing to low the interest rate and increase your credit line gradually. \n\nIf you still can't get approved for these special credit cards for bad credit, try pre-paid credit cards - These Prepaid Card does not extend you credit. Instead, accounts are prepaid for a specific amount and accounts are only good for the balance you have loaded/applied. They work pretty much like a debit card but entitle you to some benefits of a credit card.
644712
I would not worry about it.  All a credit score does is say how in debt you are.  People with good credit scores are just as bad off as people with bad scores.  My goal is to have no record on file, this will mean that I wont owe anyone.
45699
I suggest you get a used SUV and start rebuilding your credit now
251960
Try and try again with your bad credit, make sure you get student loans from the bank or wherever.  Maybe these other expenditures should be used to keep your bills paid and such rather than making your credit worse.
642283
its fine. as long as you pay them regularly (i pay mine in full everytime so that i dont have to pay interest), you'll have perfectly fine credit, whether you have 2 or 200.
154319
Yes, no credit is worse than bad credit.  If you have never created credit, it is harder to get credit.  You have no history in the system.  \n\nWith bad credit, you have a history, and the companies are willing to take a risk.\n\nDon't ask me why that is, but it's true.
565615
There is no way  around the bad credit.   Sounds like you will have to establish  the credit again.   Good luck though.
356131
look for the car adds that say, "bad credit, no credit, no problem" or something like that. I don't know where you are, but google Auto Solutions.
388875
unless you want bad credit I suggest you pay
629626
How are you coming to the conclusion that you have average credit?  Four places have turned you down.  That's hardly average!  You are being denied because your credit is well below average, especially given the ones that turned you down.\n\nEach time you get another credit card, your credit score drops.  Each time you apply for another one, your score drops.\n\nMost financial advisors recommend that you carrry two general use credit cards (Visa, MC or Discover) and no more than one oil company and one retail store card IF you are a regular customer.  Anything more than that is going to hurt your credit rating even more.
288229
just according to your salary and credit rating
92000
As far as I know if one of your credit rating is good, then it wont matter if the other's is bad - I think its like some loans.  Co-signer w/ good credit = :D
514743
Dustin, that would depend on your credit & score. If you have lates with CrapitalONE then your score might be low..I would suggest Orchard, Or Aspire for low or bad credit
509684
That’s great that you atempted to repair your credit yourself before you decided to pay someone. \n\nNow that you know how aggravating the credit bureaus are to deal with, you need to find a legitimate company. Let me tell you; they are far and few between. I tried to repair my credit myself and gave up. Then I hired a company in California called a “Fresh Start” they charged me $695 and stole my money. I never heard back from them. It turns out it was a complete scam. \n\nStill very serious and skeptical about repairing my credit, the 2nd time around, I researched quite a few different companies. I finally decided on a company in Florida called Credit Network. They are a smaller company and they really know what they are doing. They also didn’t charge anything upfront except for a small setup fee, after that they charge $49 mo, after the work is performed for the previous month. When I started I had 73 negative items between all 3 bureaus! That was about 8 months ago, and they have deleted all but 17 bad items. They were realistic when they said it could take over a year, buts that’s fine with me, because they followed through on what they said.     \n\nSomething very important….. The bad debts that you say you owe; you need to pay them off. I don’t care if you settle them or pay them in full, eventually you need to pay them off because if you don’t, there is a very good possibility they will pop back up on your credit after you delete them. I was told that debts get sold and resold, even after the statute of limitations. So if you are as serious as you sound about repairing your credit, you have to pay them off!! \n\nOh yeah, here is the link to them http://www.expert-credit-advice.com/credit_repair_service.htm
497897
Having no credit can be just as bad as having bad credit, but the good news is, if you have a job, you can get credit.\n\nTry applying for a department store credit card or have someone co-sign for an auto loan. Once you are approved, make your payments every month!\n\nThe important thing to remember is that credit is a privilege not a right. And never use credit as a license to shop!