well my credit isn't horrible but i have a couple of bad marks on it...before they wouldn't even approve me for anything. I missed a couple of credit card payments here and there i think like 4 total... and after 60 days the go to the credit, and the thing was the never sent me the invoice and when i called and said somethign about it they said its my job to remeber to pay that bill. Well i was going to school for 48 hous and working 36 hours a week had my 2 car payments, 3 credit card payments, cell phone bill, school loans, plus time and money for the girlfriend
so that 1 bill was the last thing on my mind. (those homos...)