I cant stress enough no matter what is going on PAY YOUR FUCKING BILLS its ok to let a credit card slide or whatever and forget about it and hope for the best if you are willing to take the heat credit score wise but do not be a legal debt thief and charge up 8 cards take out 4 loans and student loans and then vanish and pop up ten years later somewhere this is how people end up in concentration camps lmao just pay your minimum payments hahaha pay your cell phone and plz give $3 to a charity every few weeks like fuck? get a great credit score so you can get a superb $5000 loan when you need the funds or want to take a course that will boost your income by $85,000 a year if you cant pay the payments do not take out thousands of dollars in debt like if you get a credit card for $1000 as soon as you get it lower it to $300/$500 like do not spend every waking cent of it on hot twinks they want someone with MONEY not $1000