5 Reasons Your Credit Sucks!
1. You have to much open credit lines.
Just because all your credit cards have a zero balance doesn't mean that lenders do not look at them as possible risk.
2. You constantly apply for credit ,when you know your credit sucks!!
We all make mistakes but if you are trying to apply for a loan and you know your credit score is 300....and you have not done anything to improve it, then your wasting your time.
3. You co-sign for a moron....... (there is a reason why they can't get a loan)
Yeah I said it... just because you love a person does not mean that you need to allow them to mess up your credit or your life.
4. You pay the minimum balance.
Damn, look at the truth in lending disclosures that all financial institutions are required by law to give you, at the time of your loan.I can almost bet if you looked at how long it would take you to pay that loan off, I can promise you would pay more.
5. You spend more than what you make.
Learn how to stay home and make it a Redbox night.. I know more than 10 people who are either unemployed or not making enough to survive on ,yet they always manage to have enough money to go out and take Facebook photos of it. (broke ass)
so the conclusion of this article is: don't have too many credit cards, don't pay only minimum balance, do not co-sign for any one, not even your kids and it is okay to stay home sometimes and save your money.
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