Today I went shopping at a outlet mall. Since I have bad credit I use my visa debit card. I use to get lots of credit card offers in the mail. I now barely get any offers. Just once in a while. I think my credit score is 620 last I checked. Pretty bad. I plan to start rebuilding my credit though. I will need much better credit when I’m ready to buy a house and apply for a home loan. I was young when I got in credit card debt. I would use counseling today if I was back in the same situation. When you are young you tend to make mistakes then learn from them. At least I didn’t charge up thirty thousand dollars like a friend of mine did. You just gotta treat it like its real money.

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