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!


Posted in Credit Scores
Profile Image

Question By

1 Contribution
7 People Helped
Bad credit with NO credit cards
I have a credit score of 571, however I have NO credit cards on my report, nor do I have any current credit cards open. My debts come from really stupid choices. Rental agreement with a "friend", ex boyfriend on a cell phone plan, etc..

I have one bill that I am paying off every month. The other bills I dont even know who to get in contact with to arrange a payment plan. I have a total debt in the amount of $6,000

I cannot qualify for any credit cards. My one and only credit card that I have ever had was back when I was 18 and the limit was $500. I paid that off and shut the account. As of now, I cant get approved for any cards, nor do I know how to rebuild my credit.

Any advice or help would be great!

I am also looking into buying my first car. I know that I wont be approved for a loan so what do i do?

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

View your scores and reports anytime.


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.