Having Bad Credit
Alisha: This is the second time I’ve been Turned down for a credit card in a month. I don’t know what I’m doing wrong.
James: Have you checked your Credit report recently? Maybe you have a bad Credit rating.
Alisha: I have a full-time job with a good Income, which they can easily Verify, and I don’t have any Outstanding debt, so what could be the problem?
James: Have you had a credit card before?
Alisha: Yes.
James: Did you always make your Payments on time?
Alisha: Well, no.
James: Then that may be your answer. Your Payment history makes a big difference with the Credit bureau. If you’ve Missed payments or been late, that’s a big Strike against you.
Alisha: You mean if I were late a few times, I wouldn’t be able to get another credit card?
James: A few times? How many times?
Alisha: Well, maybe a lot of times.
James: And why do you need another credit card if you already have one?
Alisha: Had one, Past tense. The credit card company Cancelled it.
James: Ah ha, I think we’ve just found the Crux of the problem.
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