Bad Credit Blog

BY: Dewey Kearney

All my friends are having a good time and all I ever get to do is sit at home because I don’t have the money to go out! So I started asking my friends how they did it and they gave me a formula that they all use and I thought I would try it. I did and it worked!

1. First thing to do is get a credit card (s). So I started looking over the Internet for a good deal on credit cards and low and behold they were all over the place! I applied to several and just like that I had what I needed to have a good time – instant money!
2. Well, that went so well that I slowed down a bit. Not wanting to panic the banks by getting in debt too fast. Then one of my friends showed up with a brand new red convertible and everyone wanted one – me too! Someone told me that it was easy to get a car loan from a dealership so I had to try that too. Having those credit cards sure was handy! I put a big down payment on my new car with them. Because my credit was so stretched I had to get a co-signer, but no big deal! My mom came to the rescue! I found just the car I wanted with only 78 easy payments! Now I’ve got the shiny new convertible like my buddy. No trouble getting the girls now!
3. Then my boss cut my hours at work. I was able to juggle my payments and keep up but barely. Someone said that I should check my credit report just to be sure they were reporting things right and sure enough I found a bunch of things that were wrong. I’m a nobody, but it seems that someone had stolen my identity . I thought that only happened to people who had lots of money. Not poor schleps like me. What a mess.
4. I contacted the credit agencies to report this but they must have been busy because it took them a month to get back to me. After months and months of back and forth with them they finally solved the problem. My identity had not been stolen; they just got me mixed up with someone with the same name. How could that happen?
5. So now I’ve got a shiny new car and credit cards out the wazoo – every penny I make goes to pay the bills. I am in debt over my head – but so are most of my friends. It’s a status symbol a friend told me. So I don’t stress about it. In fact, I’m online now shopping for a new flat screen TV. Someone out there is offering no payments for 3 years. I just know it . .

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