What’s your excuse for your low credit score?

What’s your excuse for your low credit score?

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I was going to pay everything off upon returning from visiting my parents, unfortunately, I visited them January 16th and returned Feb 2nd $40k poorer

Cosigning. Never do it. Ever.

sorry im not a nigger

Hospital bills that I'm not going to pay. Not even joking.
They can kiss my ass.
Plus I don't need a credit score when I'm done with living in debt already.
So...fuck them.

I don't have a credit score becuase I've never had any debt or used a credit card.

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My FICO is 790.

Used to be 450 but then I decided to not be a little bitch and took control of my finances.

got laid off, unemployed 1.5yr (thanks obama), filed bankruptcy
it's going back up pretty well though

I'm 20 years old with a 725 credit score. Suck my cock

Terminally retarded