I paid what I owed pertaining to the statement for that month and the early cancellation fee in October. I had gone until June without attempting to get any credit cards or loans of any sort.in fact, that was the only thing that I've ever had that would effect my credit.
In June I got a car, but I was told that I would need a co-signer because of my credit. I thought that it was because I had nothing more than my cell phone, and that was the reason why I needed a co-signer... I had no other ways to, I guess, prove that it would be ok for me to sign by myself.
I ordered my credit score a little over a month ago thinking that my credit card that I received shortly after I bought my car would have helped a bit, and it had all of my credit cards and my car loan in good standing and one negative remark from this company that I've never heard of before.
I supposedly owe over 400 dollars on the phone even though I paid everything I owed when I cancelled it. That's why I had to co-sign on my car. That's why I couldn't get any credit cards and got lucky with a pre-approved credit card FOR SCHOOL. That's why I can't get a loan by myself for my design equipment. I've been paying everything off before my statements even come out, and I still have horrible credit because of them.
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