What's your credit card and why is it best for you?

[Cobretti2]

Kasz216 said:

One way street.

Being in debt and having missed payments does count against your credit score.

However not having missed any payents on rent and utility bills does NOT count towards your credit score.

Here we don't really have a credit score but more of like a negative credit report. Your credit rating only reports the bad things about you and nothing on the good.

So if u miss payments that is what it will say on there. If you pay on time then the report is blank.