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my score is about 530(very bad) i never had a credit card, loan , house, nothing like that! its just utility’s, medical,cell phone bills n its about 5000$ i own the most n am not sure y mi score is   … Read more

I owe roughly $15,000 (between two cards). I was young and immature when it came to money and now I have to pay the price. I tried to get a new credit card to consolidate both balances but I was   … Read more

I have roughly about 8000 in debt mainly student aid and a credit card and several other small items. How bad is debt consolidation on your credit score. I believe I’m around 560 for a score. Or is there anything   … Read more