Places with the worst, best credit

The big downturn of recent years has affected everyone, but the pain has been far more severe in some metro areas than in others.

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Jul 11, 2012 12:26AM
Soooo sick of the credit game.  Don't give a damn about good or poor credit, tired of being dominated by a credit score.  Don't want to play the game anymore.
Jul 11, 2012 12:02PM
16 comments.....15 are SPAM...for crying out loud!!!
Jul 21, 2012 10:00AM

I didn't read this article..... I could tell just by the HEADLINE that it is complete trash, and I wanted to comment about it.     I, like MOSTother  people in the world with half a brain, have figured out that the "credit scoring system" is nothing but a GAME.  For ATLEAST the last 5-6 years, I have paid all of my bills PERFECTLY... not one bill of ANY kind has been late in over 5 years... My car is paid off, I have NO student loans, I have had loans in the past that are now paid off, and were NEVER late... I currently have NO OUTSTANDING debt WHATSOEVER!  I do have ONE credit card (with a low limit of $500... I KEEP it that way, so I don't overspend), and I pay that credit card balance IN FULL, EVERY MONTH!... NEVER LATE, EVER!  I don't have a mortgage, I rent (again, NEVER late, EVER!).  Also, I make about $40,000 / year.  I get credit reports atleast once a year to make sure there are no errors on it, or accounts that shouldn't be there.  I use a "credit monitoring service" too (so noone steals my identity, hopefully)... and I have been monitoring my "credit score" (ALL 3 of them, 4 now) for the last 6-7 years.  My credit scores have NEVER gotten above 670!   Keep in mind, I make $40,000 a year, I have NO debt whatsoever, NO mortgage, NO car payment, and NO late payments of ANY kind in ATLEAST 5 years... NO student loans... NOTHING!  The ONLY reason I have a credit card is because the "credit experts" say that having a credit card and using it regularly and then paying off the balance at the end of the month will improve your credit score... so that's EXACTLY what I've been doing for the last 5-6 years, and guess what?  My credit scored actually got worse over the last year... I called my credit monitoring comapny to find out why.   They have no explanation.  The "credit scoring system" is a COMPLETE SCAM!  It is a game!  


The rent that I pay every single month?.. that doesn't count toward your credit score!  Electric bill?  That doesn't count either!  Water bill?  NOPE!  Gas bill? NOPE!  Cable TV bill? NOPE!  Car insurance? NOPE!  NONE of these things that nearly EVERY person on earth pays EVERY SINGLE MONTH counts toward your credit score!  The credit scoring system is COMPLETE B.S. and we ALL know it!  I refuse to waste any more time, trying to "improve" my credit score, when I KNOW that the "experts" will just find a way to knock it back down again.... not to mention, someone steal my identity, and ruin my credit through NO FAULT of my own!... it only HELPS the banks, because they get to charge you MORE for interest on any loan.  It will all work out though.... the bankers and the elites are being exposed every day, more and more.... with the internet, it has become more and more difficult for them to keep their games going.  What goes around, comes around.....   

Jul 21, 2012 10:10AM

The headline is completely misleading. This article is not about best and worst places to get credit, it is about the places where credit scores of the local residents are best and worst. Who cares?


On another subject:


REPORT SPAM EVERY TIME IT POPS UP!  MAYBE THEY WILL GET THE MESSAGE AND STOP POSTING ON THESE FORUMS. (Dating sites, porn sites, etc.) Or maybe the site administrators will do soemthing about it.

Jul 21, 2012 12:30PM
12 spams deletes MSN needs moderator or something.  Recovery what recovery When! ?
Jul 21, 2012 11:56AM
The credit scoring system only takes into account the last 5 or so years of your credit. That is certainly not your whole credit picture. It's all about, what have you done for me lately. The credit reporting agencies should be made to pay for the mistakes they make on our credit reports and once they are made aware of these errors by us, they should correct them by using their time and money not ours. I don't believe in the system we have at present because it monopolizes consumers and it restricts true competition between creditors. Creditors are given too much information, consequently, they all decide to treat us the same. Where's the competition(free market)? NOW, you can see the free market only exists for the rich.
Jul 21, 2012 11:39AM
If a city or state has not recovered from the housing market, then, it clearly has not recovered at all. Talk of pulling out of the recession, not appropriately named, it should be depression, is shear nonsense. Refinancing will not help. A complete writedown and revaluing of properties is what is absolutely necessary. I do not see the banks doing this in the near future. Unfortunately, this is the ONLY solution. What earthly good does it do for banks to acquire debt and then expend more capital to secure them and maintain them? KEEP THOSE PEOPLE IN THEIR HOUSES!
Jul 21, 2012 3:13PM

I love these articles on MSN, Full of spam and tons of it. Seem Yahoo controls that spam better... Are you listening MSN?

Most of the areas showed in the best and worst are places I would not want to live anyway. Been to New York and Boston terrible places to live with a high cost of living, Pittsburgh come, been there too not a great place to live.... 

Jul 21, 2012 9:45PM
The whole credit system is a joke, why is it you have to spend money you dont have Credit Cards etc to get better credit?   And the worst part is that you have to prove yourself worthy to a printing press and there,s nothing to back it
Jul 21, 2012 11:33AM
Stay out of California - that is the worst state in the union.  The socialist bastard democrat legislators have run it into the ground with the enthusiastic help of the unions. 
Jul 22, 2012 2:15AM
It won't be much longer. The United States will be pushing the reset button.  That means it so broke, that the only thing left, Start Over. All new money, maybe Monoply Money. Obama will be in charge of the printing press. All hign rollers that sterted an own buisness will get no money. He an the goverment will control all the money. He will have been made King... Won't need a credit card system. No one will have credit. Were all BROKE...
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