Quote:
Originally Posted by Niklas
you can start by cutting up your credit cards since it seems none of you knew that you're supposed to pay them off every month 
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Now actually if we all paid them off every month they would not make any money and go out of business. Some of us do pay them off and are responsible with our credit and then well others are not. Though you have to look at the companies issueing the credit first they are they ones that were giving home loans to anyone with a pulse or a partial one at best.