LOL fucked up part was I was that kid in college. I ran up $4000 in debt and all I have to for it is a volcom t shirt. No one taught me about credit I thought it was free money and you pay $12 a month. I bought a cell phone and ran up a $600 bill , I bought the $400 nokia phone , kegs every weekend, hotels in vegas etc.

My parents were giving me gas money and I was charging my gas and pocketing the cash. Before I knew it I was dead broke with maxed out cards, phone cut off, horrible credit and I never paid them off.

I thought big deal I'm young what's the worst that could happen?

Now I'm 27 and rebuilding my credit. Its cost me 5 years of credit when I could really use it for my business. Only in the last year have I been able to pay off my bad charged off debt and been able to get a cc.

They totally target college kids and prey on them. I had $2000 limits with no job WTF