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  • Hey Joe, what's wrong?
  • John, I just looked at my credit score and it's a 580!
  • You need to start paying off your debt! Also, why is there nothing in your house?
  • I had to sell everything because I went broke. No one will lend me money anymore either!
  • Well, if you want to get your score back up, use the money you got from selling everything and pay off your debt.
  • Ok, good idea.
  • A week later...
  • I just got my credit report and there are lots of potentially negative items, like the time I took 3 months for one phone payment! 
  • Joe, how have you been doing so far?
  • Hopefully you don't have any tax liens! They stay forever!
  • No, thankfully I don't.
  • Which CRA was your report from? 
  • Equifax... Also thank you for the help. I'll be more responsible now that I've realized where my report and score got me... 
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