New Info

Well, at least I'm learning now about credit.

I just did some research and my credit score from the three major agencies isn't even important, really. They aren't my FICO score, so they don't matter. And so most likely, my FICO score really is that low, one hundred points lower and so I'm going to die here.

I guess I really will have to find a crappy apartment in an unsafe place (the only one I can afford I've seen anywhere, including craigslist, is on the street most people in this town would say you never, ever, ever want to live on). I guess I'll have to take my chances of being mugged and/or worse every night, just to get some kind of rental/credit history.

But that won't even help my credit. So my best bet is to continue paying the bills I have, continue shaving off the debt I've accrued, and try again soon. I just wonder why the dealership man said my credit was fine when, actually, after researching the score my bank sent me, it's actually really, really bad.

And now my tacos are ruined. I am so pissed.