Honest question, how do you get 17 negative accounts? I can't even fathom that.

One bad medical incident without insurance will do the trick rather quickly.

How do you guys feel about those payday loan sites? I did one at CashNetUSA one time...put in a discount code...and got $525 the next day and had to make 9 $70 payments over the course of 4 months or so...

I know it's like wasting $100 but I thought it was a pretty ok deal at the time when I was in the need of some cash up front.

Extraordinarily dangerous because the interest rates are generally astronomical, and these "services" often attract customers who are not fiscally responsible in the first place.

If you're in a bind and can use it responsibly, I guess. But these places present a slippery slope for far too many.

I think it is loan sharking and the rat bastards should be arrested for taking advantage of poor people.

Not if you put your priorities first and properly insure yourself instead of spending the money on a car or house you can't afford.

You can buy alot of insurance for small amonts of money when you are young and healthy

Not sure what you mean...

Pretty simple. Pay your bills and dont buy shit you cant afford just because you can put it on a card.

read previous post

Keep justifying buying shit with any excuse you want and you you be a broke ass all your life...

And some have given terrible advice. The guy I quoted suggested that this guy take out a loan that he didn't need and put the money to repay the loan into an escrow account as a way to repair credit.

How long did it take you to type that post that meant nothing?

Those are the biggest ripoff ever. It's right there with renting furniture and playing Keno.

Is that just a dooms day statement? Do you have anything palpable to bring to the conversation?

Don't worry Saul, we all know the debt fairy will sweep down, take care of all the bills he leaves for his family if he dies.

I am.........