I need Credit Score and Cell Phone Bill advice/help -___-
Posted in the Wyndmoor Forum
Since: Mar 13
#1 Mar 24, 2013
Let me start off by saying that this is my first time ever one these forums, i just signed up a few minutes ago so just wanted to say HI! and thanks for taking a look lol
Ok,so i've had tmobile for the longest( almost 4 years but i changed contract in between so im coming up on my "2 year" upgrade 5/16/13. I've had nothing but problems with them, they are always over charging me and rather than say anything i've always just payed it. I have unlimited everything yet somehow my bills are pretty high, especially when the $50 no contract plan is basically the same damn thing and i rarely text/use my phone other than when i go on youtube or google. Ok,let me get to the point..
Here is my billing history..
Mar 02, 2013
Feb 02, 2013
Jan 02, 2013
Dec 02, 2012
Nov 02, 2012
Oct 02, 2012
Sep 02, 2012
Aug 02, 2012
Jul 02, 2012
Jun 02, 2012
May 02, 2012
Apr 02, 2012
When i do call, they come up with some damn BS excuse every time..this time i refuse to pay it and my phone has been off for almost 3 weeks..i kind of need my phone for work so its extremely annoying. If i just do not pay it, will it affect my credit eventually? Should i pay it and then wait until my 2 years then leave? Should i just get a new no contract phone ASAP today or tomorrow so that i can have a phone again? Any advice would be greatly appreciated, sorry for making it pretty long
As far as Credit advice, i have NO credit but i have a collection agency listed on my credit reports from a supposed debt i owed back in 2006 (sold my car + cancelled my insurance, they continued to bill me for 3 more months after and tried to make me pay $750) so i declined because i did not owe them it was their mistake. I can't get a credit card for the life of me, its bad enough that i have no credit but a collection agency being listed on there makes it even worse.
How do i handle these issues in a way that would not affect my credit score in a negative way? Any advice on how i should start trying to make my score better?
I'm sure i've been grammatically incorrect, i'm super tired so ignore the lack of effort put forth.
#2 Mar 25, 2013
I think you have been careless with your expences and you owe.Contact your debtors, work out a payment plan and start pay off your debts. If you don't your debts will follow you. After your debts are payed avoid or limit your use of credit cards and only borrow as needed.
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