Anyone here with bad credit?

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  • TonyPhizzle
    SBR Sharp
    • 08-30-17
    • 410

    #1
    Anyone here with bad credit?
    Below average crew
  • GUMMO77
    SBR Hall of Famer
    • 08-23-10
    • 9294

    #2
    Become A Pro!

    You don't say.
    Comment
    • TheSchafe
      SBR MVP
      • 12-29-09
      • 2143

      #3
      Had high 700s before my sentence. 2 years of not being able to be free and pay your debts is costly. 5 collection accounts, already settled 2 of them. Should be good to go by the end of the year again.

      Working with the creditors directly is key. They've been understanding of my situation, especially since I reached them directly. From there you can negotiate a settlement instead of dealing with slimy collection agencies.
      Comment
      • jjgold
        SBR Aristocracy
        • 07-20-05
        • 388189

        #4
        got mine to 420

        UPSWING
        Comment
        • acquavallo
          SBR Sharp
          • 03-16-18
          • 350

          #5
          Originally posted by TonyPhizzle
          Below average crew
          Besides a select few illustrious examples, most here suffer from that, tax evasion and/or other frauds, a criminal record, drugs and alcohol, gambling addiction, extremist political views, dysfunctional relationships...you name it.
          Comment
          • thetrinity
            SBR Posting Legend
            • 01-25-11
            • 22430

            #6
            Probably the whole website lmao

            In all seriousness mine was really bad now it's fair to good, when you are young you don't care as much
            Comment
            • juicername
              SBR Hall of Famer
              • 10-14-15
              • 6906

              #7
              No, I have tremendous credit. Best credit in the world.
              Comment
              • THam12
                SBR Posting Legend
                • 03-12-13
                • 12640

                #8
                Mine is near 800...
                But I have alot of debt lol
                Comment
                • THam12
                  SBR Posting Legend
                  • 03-12-13
                  • 12640

                  #9
                  Originally posted by THam12
                  Mine is near 800...
                  But I have alot of debt lol
                  To be clear... Not gambling debts
                  Comment
                  • sourtwist
                    SBR Hall of Famer
                    • 11-10-12
                    • 9364

                    #10
                    Originally posted by acquavallo
                    Besides a select few illustrious examples, most here suffer from that, tax evasion and/or other frauds, a criminal record, drugs and alcohol, gambling addiction, extremist political views, dysfunctional relationships...you name it.
                    Don't forget making new sbr accounts....clearly you have had other names before this one
                    Comment
                    • TheSchafe
                      SBR MVP
                      • 12-29-09
                      • 2143

                      #11
                      Originally posted by sourtwist
                      Don't forget making new sbr accounts....clearly you have had other names before this one
                      Kind of reminds me of crustyme.
                      Comment
                      • ByeShea
                        SBR Hall of Famer
                        • 06-30-08
                        • 8052

                        #12
                        Originally posted by sourtwist
                        Don't forget making new sbr accounts....clearly you have had other names before this one
                        Bring back Beantown Jim, SBR legend.
                        Comment
                        • hubie69
                          SBR Hall of Famer
                          • 09-16-10
                          • 7329

                          #13
                          Who uses credit? Debt is bad mmkay
                          Comment
                          • BigBusiness
                            SBR MVP
                            • 09-16-12
                            • 3226

                            #14
                            Nope. Last I checked (a year ago) it was in the mid 800's.

                            Think around 840.
                            Comment
                            • HockeyRocks
                              SBR Hall of Famer
                              • 07-10-13
                              • 6069

                              #15
                              Between 820-830...Very little debt. Enjoying life...
                              Comment
                              • nyplayer33
                                Restricted User
                                • 09-27-06
                                • 8304

                                #16
                                800 credit or better you can get 75k easily...great terms.
                                Comment
                                • KVB
                                  SBR Aristocracy
                                  • 05-29-14
                                  • 74817

                                  #17
                                  Originally posted by hubie69
                                  Who uses credit? Debt is bad mmkay
                                  Not always.

                                  I've had huge cash positions and still took on debt. The purpose of the debt earned more than the cost, and so did the cash.

                                  Even MSFT, with a ton of cash, carried some debt.

                                  But if you are just borrowing to live above your means, then it goes bad.
                                  Comment
                                  • konck
                                    SBR Posting Legend
                                    • 10-17-06
                                    • 12554

                                    #18
                                    Originally posted by THam12
                                    Mine is near 800...
                                    But I have alot of debt lol
                                    One of the biggest thing in credit is debt ratio plus the fact your a Non pro
                                    Comment
                                    • mrpapageorgio
                                      SBR MVP
                                      • 09-07-17
                                      • 2974

                                      #19
                                      Originally posted by hubie69
                                      Who uses credit? Debt is bad mmkay
                                      Debt can actually be the cheapest form of financing when making a major purchase (I'm not talking putting a balance on a 15% CC and keeping a balance) than paying cash. If I finance a car when they have those year end sales sub-2% and can take the cash I would otherwise have used and invested it in something earning 5%, I'm ahead 3%. If I pay cash, that's lost investment opportunity I would've otherwise had if I instead financed the purchase.
                                      Comment
                                      • pimike
                                        BARRELED IN @ SBR!
                                        • 03-23-08
                                        • 37139

                                        #20
                                        Originally posted by BigBusiness
                                        Nope. Last I checked (a year ago) it was in the mid 800's.

                                        Think around 840.
                                        You are the biggest bullshitter on here.

                                        Comment
                                        • BeatTheJerk
                                          BARRELED IN @ SBR!
                                          • 08-19-07
                                          • 31794

                                          #21
                                          684
                                          Comment
                                          • BeatTheJerk
                                            BARRELED IN @ SBR!
                                            • 08-19-07
                                            • 31794

                                            #22
                                            Originally posted by BigBusiness
                                            Nope. Last I checked (a year ago) it was in the mid 800's.

                                            Think around 840.
                                            Have you ever told the truth before on this forum you f u c k i n g burnt c u n t.
                                            Comment
                                            • jts1207
                                              SBR Hall of Famer
                                              • 12-15-16
                                              • 8011

                                              #23
                                              Most people here posting scores don't understand how they work.
                                              Comment
                                              • El Nino
                                                SBR Posting Legend
                                                • 05-03-12
                                                • 18426

                                                #24
                                                Credit was ok. Was tremendous after I hooked up with Brock Landers credit repair company!
                                                Comment
                                                • THam12
                                                  SBR Posting Legend
                                                  • 03-12-13
                                                  • 12640

                                                  #25
                                                  Originally posted by konck
                                                  One of the biggest thing in credit is debt ratio plus the fact your a Non pro
                                                  Lol I'm talking healthy debt. House, car, some CC. No reason to lie to you losers here lol
                                                  Comment
                                                  • daneblazer
                                                    BARRELED IN @ SBR!
                                                    • 09-14-08
                                                    • 27861

                                                    #26
                                                    This is an internet gambling forum. Over half the posters here probably have poor credit
                                                    Comment
                                                    • TheSchafe
                                                      SBR MVP
                                                      • 12-29-09
                                                      • 2143

                                                      #27
                                                      Originally posted by daneblazer
                                                      This is an internet gambling forum. Over half the posters here probably have poor credit
                                                      Comment
                                                      • gauchojake
                                                        BARRELED IN @ SBR!
                                                        • 09-17-10
                                                        • 34103

                                                        #28
                                                        Lower is better right???
                                                        Comment
                                                        • grease lightnin
                                                          SBR Posting Legend
                                                          • 10-01-12
                                                          • 16015

                                                          #29
                                                          Originally posted by gauchojake
                                                          Lower is better right???

                                                          Yes, like golf
                                                          Comment
                                                          • JIBBBY
                                                            SBR Aristocracy
                                                            • 12-10-09
                                                            • 83691

                                                            #30
                                                            Perfect credit over here.. It's overrated though unless you're buying a first home and trying to get a loan and or leasing a new car which are both usually bad investments.. ************ get people in trouble, it allows free spending which is not a good thing for most..

                                                            Best for you to leave those cards at home and pay cash for everything I say...
                                                            Comment
                                                            • gauchojake
                                                              BARRELED IN @ SBR!
                                                              • 09-17-10
                                                              • 34103

                                                              #31
                                                              Wait buying a home is a bad investment??? Fukk me
                                                              Comment
                                                              • JIBBBY
                                                                SBR Aristocracy
                                                                • 12-10-09
                                                                • 83691

                                                                #32
                                                                Originally posted by gauchojake
                                                                Wait buying a home is a bad investment??? Fukk me
                                                                Nice to have but look at all that interest you pay over the 30 year loan.. Look at all the repair costs along the way..

                                                                Hey but if you bought it in a good location and the home value increased over the years and you eventually pay off that loan then it becomes a good investment..

                                                                Homes are fun if you have a family though and I get it... Pride of ownership.. Moving up in the world. Got one myself... My take anyways..
                                                                Comment
                                                                • grease lightnin
                                                                  SBR Posting Legend
                                                                  • 10-01-12
                                                                  • 16015

                                                                  #33
                                                                  Originally posted by gauchojake
                                                                  Wait buying a home is a bad investment??? Fukk me


                                                                  Yeah and ************ are for dumb fuks too.

                                                                  Better send that black card back to Amex, Jake.
                                                                  Comment
                                                                  • JAKEPEAVY21
                                                                    BARRELED IN @ SBR!
                                                                    • 03-11-11
                                                                    • 29222

                                                                    #34
                                                                    mine used to bad bad as a teenager through my early twenties

                                                                    last I checked, it's over 800 now and pristine the past 15+ years or so
                                                                    Comment
                                                                    • newton0038
                                                                      SBR MVP
                                                                      • 03-07-07
                                                                      • 2379

                                                                      #35
                                                                      350 = BANKRUPT in Canada. Canadian range is 300 to 900
                                                                      Comment
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