Why would I do that when I started my paragraph with "I filed for Bankruptcy"?
Brehs With Bad Credit
- Thread starter MJ Truth
- Start date
Why would I do that when I started my paragraph with "I filed for Bankruptcy"?
Didn’t read the thread but what i did a couple years ago brought me from no one would even give me a loan for a bag of chips to being able to get a house
Experion.com to check your stuff
Most things you can dispute and get it off your credit, I got everything knocked off of mine except T-Mobile and sprint and even then if you negotiate with creditors they will take like 70-80% cut on what you owe
Get those credit cards where you start with putting in your own money. For the love of god just use it for regular every day things like gas, food and pay.
If you got any fam or friends you’re cool with they can put you as an authorized user on there card. To avoid problems or temptation give them your card when you get it and have them use it every once in a while like it’s theres.
In a year you can go from a 400 to a decent 600. A little more time you’ll be set
Experion.com to check your stuff
Most things you can dispute and get it off your credit, I got everything knocked off of mine except T-Mobile and sprint and even then if you negotiate with creditors they will take like 70-80% cut on what you owe
Get those credit cards where you start with putting in your own money. For the love of god just use it for regular every day things like gas, food and pay.
If you got any fam or friends you’re cool with they can put you as an authorized user on there card. To avoid problems or temptation give them your card when you get it and have them use it every once in a while like it’s theres.
In a year you can go from a 400 to a decent 600. A little more time you’ll be set
Jhoon
Spontaneous Mishaps and Hijinks
The economy is freaking dumb.Yeah the more you make, the more access you get to spend other people's moneyit's fukked up but it's logical. Somebody making 16K/year isn't someone you wanna give a 100K credit limit too. But it's also funny how many high earners get in consumer debt and have to file bankruptcy anyways.
A few months ago a credit union gave my unemployed cousin a loan to buy a new vehicle.
Lord_nikon
Veteran
Even though I know everyone on the Coli has an 800+ credit score along with $500,000 plus in the bank and investments, how do the brehs who have bad or trash or no credit navigate out here? How do you maneuver around in this system that's based highly on having a decent credit score, particularly for those who don't make a lot of money.
Asking for a friend.
start with a secured credit card
build up from there
The Radiant One
Superstar
In case you have another surgical operation in the future
kevin arnold
Superstar
You need to find a credit law repair center. They can start getting stuff removed from you.
I just heard someone mention this. He said to tell them from the jump, that you don't want the actual card. they should also use their oldest card
Yea I forgot to mention that. I got lucky cuz my parents have dope credit and put me on there insane card limit( which I was surprised by cuz money wise they don’t give me shyt, but there awesome grandparents)
Anyways my dad told me to go fukk myself my ma did it anyways and once I did that my shyt went up quick
My ma asked me for that card every day until it came
and I was glad to give it to her If my dad found out and I fukked it up my dad woulda given me an old school ass whooping and I’m 31
He still scares me
Jhoon
Spontaneous Mishaps and Hijinks
You’re not going to have excellent credit until you have over $50K in credit. You’re debt should less than 10. And you should know how to pay your bills.
Yes you aren’t gonna be able to get a platinum card but doing this will eventually lead to you getting one.
It’s the easiest and fastest way to do it. I did it myself and after all the hard work it helped me manage my shyt responsibly and I came up huge
I mean testimonials on tv always seem like bullshyt. if you know me around here I don’t bullshyt about nothing. I got to buy a house doing this. It took time but I shaved years off the time it woulda taken to build my shyt up
Your bank
Third Kind
Pro
I went from 540 to 760 in a year 
Keys:
1. Open mad credit cards, like as many as possible. I would suggest 7. Your credit is gon take a hit cause you opening so many credit cards. After the first year, those bad marks start to not count towards your credit. After two years, the fact that you opened the account wont even be listed on your credit. If you a stupid motherfukka that cant control his/herself DO NOT DO THIS. This will help Increase your credit limit.
2. Once you open your credit cards, make sure UNDER NO CIRCUMSTANCE that you go over 9% of your limit. Momma in the hospital? You not going over that limit. Daughter need new shoes.. you ARE NOT GOING OVER THAT LIMIT. This is utilization and counts about a third of your whole credit.
3. Make sure ALL your payments are paid on time. I got an excel sheet to make sure I’m covering all my bills. Essentially, I pay for everything the week before the first bill is due. So, if rent is due on the 5th, phone bill due on the 10th, gas bill due 17th, and some other bill due 20th, everything gets paid on the FIRST.
Those three things will get you off on the right foot.
Keys:
1. Open mad credit cards, like as many as possible. I would suggest 7. Your credit is gon take a hit cause you opening so many credit cards. After the first year, those bad marks start to not count towards your credit. After two years, the fact that you opened the account wont even be listed on your credit. If you a stupid motherfukka that cant control his/herself DO NOT DO THIS. This will help Increase your credit limit.
2. Once you open your credit cards, make sure UNDER NO CIRCUMSTANCE that you go over 9% of your limit. Momma in the hospital? You not going over that limit. Daughter need new shoes.. you ARE NOT GOING OVER THAT LIMIT. This is utilization and counts about a third of your whole credit.
3. Make sure ALL your payments are paid on time. I got an excel sheet to make sure I’m covering all my bills. Essentially, I pay for everything the week before the first bill is due. So, if rent is due on the 5th, phone bill due on the 10th, gas bill due 17th, and some other bill due 20th, everything gets paid on the FIRST.
Those three things will get you off on the right foot.
My credit score is 832.. It's simple to get good credit... Get a credit card, most offer 0 interest the first 18 months.. What you want to do is buy something you buy with cash that you actually need. Say you need furniture or clothes and you have the money already, purchase it with your card and pay double whatever the minimum payment is.. Do this for 6 months and then pay off the balance.. Let your next bill come and when it says 0 balance due then you do the same thing again. If you buy something with a card and pay it off immediately your credit score will go nowhere.Even though I know everyone on the Coli has an 800+ credit score along with $500,000 plus in the bank and investments, how do the brehs who have bad or trash or no credit navigate out here? How do you maneuver around in this system that's based highly on having a decent credit score, particularly for those who don't make a lot of money.
Asking for a friend.
Once you get to the point where you don't have 0 interest rates then you want to get your bill and pay off the balance.. After 18 months of this you should get offers from AMEX and discover.. You'll stay in the 700s for like a year then you should hit 800.. Might take 4-6 years to finally hit 800+