[Jocelyn30573]

I'm 26 and my while my credit isn't dismal, it certainly isn't perfect either. I have several credit cards that while not maxed, at least have a very substantial total balance. I can only speak for my own situation, but having grown up in the electronic age, most of my bills are electronically debited from my checking account. My paycheck is electronically put in, most of my bills are electronically taken out. For these bills, everything is just grand. I never missed a payment on my first car (payed on it for about 3.5 years) and haven't missed a payment on my college loans (have been paying on them for several years now). However, the credit card companies have been very slow to move into the electronic age. While some of them had an electronic payment option on the website, they didn't have an auto-debit program. Which means I simply forgot to log in by the due date and make a payment (which I realize is irrisponsible on my part). My credit is slowly improving now that most of my credit cards have an auto-debit program. I hope to have most of the damage repaired by the time I'm 30.

User Detail :  

Name : Jocelyn30573, Gender : F, Sexual Orientation : Straight, Race : White/Caucasian, Religion : Taoist, Age : 26, City : Roanoke, State : VA Country : United States, Occupation : artist, Education level : 2 Years of College, Social class : Middle class, 

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