[jen3]

IDI. My credit is crap now but time and paying everything on time has helped in the past. (Meaning I pay electric bill, phone, car and store cards on time). I have no credit cards. I can’t tell you how many times I have got them, built them up, paid them off, than repeat…. I never used them for anything other than cash advances so why the heck did I keep them so long. The reason my credit is crap again is I have one card that is closed that I purposely did not pay so I could negotiate the balance. Same dumb cycle of mine for 20 plus years. I want off this dang ride and I do not want to get back on.