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Is there a way to prove you are not responsible for your poor credit history?

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While Jwsister is correct, you could explain your situation and to get on programs to better your situation. For example, if you hit a time of unemployment and fell behind on student loan payments and are trying to get a credit card to improve your credit, call up and see what programs are offered for your situation. Unfortunately, you have to accept that you will probably have to bite the bullet on this one and jsut work at improving your credit history.

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But you are responsible

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A responsible person checks their credit reports every year and disputes all erroneous information with the credit bureau reporting it.  A responsible person makes sure their sensitive information that could be used in cases of ID theft is locked up in a safe place.  A responsible person does not take on more debt than they can npay off in a reasonable period of time.  And they also NEVER co-sign for anyone else. A responsible person makes sure they make payments on time or, if someth[ing happens that they can't make the payment, they communicate with the creditor to keep them informed.  Creditors will work with reasonable people in times of trouble. 

Anytime we make a credit agreement, we are responsible for seeing to it that we fulfill the terms of that agreement.

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