Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Karma
Profile Image

Question By
psyconius

0 Contributions
0 People Helped
30 years old and plenty of bad credit decisions over the years, but somehow thin credit?
My first two credit cards I got when I was 18 years old maxed out and went to collections. I have various utility, medical bills, and even a couple evictions all in the last 6 or 7 years that I am sure are on my credit report. Nothing ridiculous.. The credit cards and utility bills(two of the utilities I just paid off last month, actually) are all in the few hundreds.. Probably a couple thousand in medical bills, but otherwise no huge debts to name. However, Verizon wants an $800 deposit for 2 cell phones on a new plan. That isn't all that surprising to me, but when I came to CK to get my report it is telling me that I have a thin file! This can't be right. Any ideas?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
1777 Contributions
3024 People Helped

Dang, Looks like a Train Wreck to me.

The 2 credit cards might have  rolled off your Credit reports by now,  depends you can check your free credit reports, get them at  www.annualcreditreport.com   Check to see were the two you have paid off show up.

Medical Bills that have not been paid will end up in collections and this will show up on your credit report.

Some Utility companies do report  payment history to one or 2 Credit bureau’s it depends on the utility company.   Late Payments will show up another Ding.

The evictions may show up,  if they do more negative information.

If I was Verizon would only sell you a pre-paid phone,  just going by this information alone.  

From the Looks of it,  you don’t have Credit History just a TON of Collection History that does not look good.

I would say it's time to grow up.

Credit History takes time, so does your Credit Score.

Top Contributor
109 Contributions
71 People Helped

Get a cell that is $50 a month unlimited

No plan

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.