Posted On: June 7, 2007, 3:28 pm CDT

Posted By: MM

Agreed. My credit score isn't as fabulous as it should be either because I carry high balances. The big Catch 22 is that my interest rate goes up because my balance is high, so my interest charges get higher and higher each month making it harder to lower my balances. Thing is, though, IT'S MY FAULT! Had I been more responsible with my cards, I wouldn't be having this problem. Also, were I more responsible now and cut back my spending to pay more towards my cards, it would help the problem. Point is, my credit score isn't as high as I would like because of MY DECISIONS and nobody else's actions. As was said earlier- I have the power to control it! I am paying them off, and my credit score is gradually getting better and better (imagine that). A poor credit score isn't just some bad lot in life that you got stuck with, it's something you earned for yourself.