Im worried about my credit score!?

Question

im only 16 years old but last year i got drawn in by one of those free xbox ads. I ended up getting a "free xbox 360" but i had to fill out a bunch of ads, which i used a prepaid visa card for. Now i got few bills that took me a while to pay. months past the due date. Please help me!

Answer 1

Read this article, http://www.monitorbankrates.com/how-to-b... the article lists several tips on keeping a good credit score.

Answer 2

YOU DON'T OWE THIS MONEY!!!

They can't report it to your credit because you don't have any.

YOU HAVE TO FIGHT THIS BEFORE YOU TURN 18!!!

You cannot legally be held to ANY contracts if you are under age. Thats how a lot of companies get screwed, especially the ones that sell CD's via mail. THEY NEVER CHECK THEIR INFO.  So you need to contact the people who are sending you these bills and tell them to shove it! Don't let them intimidate you there is NOTHING they can do to you, it was their fault for trying to pull you in when you're not even of age... let them know that by billing you and calling you they are breaking the law because you are under age, if they don't remove you from their list and cancel the account that is in your name immediately you will report them to the proper authorities.

Trust me you're golden!

LUCKY!

Just don't do it again...and learn your lesson for when you are 18!

Take care.

Answer 3

Well good news...you're only 16 so you don't have a credit score. Credit cannot be extended to anyone under the age of 18. Pre-paid credit cards are not reported to credit bureau.

How on earth did you pay a pre-paid credit card late?

If the card is pre-paid the money comes out automatically when you use it?!?

Do you mean you have a secured card? You must still be an authorized user one someone (your parents) account. You can't have your own credit card at 16.

Answer 4

Leave the credit alone as much as possible.....Pay cash for everything and save your good credit for housing or auto needs....Otherwise if you can't pay cash don't pay and don't buy....There is nothing cool about flashing credit cards around and creating your own private bout with slavery....As long as you care about your credit and paying it off your a slave to the system.....Why?  Cause while your paying your bills ,before that your paying taxes and thats corporate Americas cut out of your check....Thats why illegal aliens don't want to become citizens...They want tax free , under the table money...

Was the X Box worth it?

Good Luck!