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  • hey Sarah how are you doing ?
  • Hey jade, it's been pretty tough i haven't  been paying my bills on time and im sorta in debt 
  • What do you mean in debt? wahhhhh
  • I keep saying i'm going to pay the bills but  then I go shopping and spend an outrageous amount of money that i don't have.
  • how far in debt are we talking ?, have you checked your credit report?
  • Just remember to manage your money and it may take a wow but start paying back those debts because once you get your credit report checked for a loan or anything of that sort you need to show your credit worthiness.
  • Honestly i don't know the exact amount but they sent me a notice, wait what's a credit report?
  • A credit report is a detailed report of your credit history. It can effect your credit score in a negative or a positive way.
  • Wow , I wish i was all put together like you. How can I check my credit report and my credit score?
  • You can check it for free on FICO score. Knowing your credit score will indicate lenders capacity to repay a loan which will be good for you in the long run.
  • Wow really for free? i'm going to check that as soon as I get home .
  • Thanks Jade for helping me out , I will now spend more responsible.
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