The Little Guy's Revenge

The Best Way To Destroy Your Credit!

Destroying Your Credit The Easy Way

Wow! So, you want to completely destroy your credit, huh? Ok, well, it's not difficult. As a matter-of-fact I'll show you how to do it in just a few months time.

Before we get into the lesson, here are five good methods to help get you started on destroying that credit:
1. Start out by paying your bills late all the time. Try to make them at least 30 days late and if you really want to make shreds of your credit report, make it 60 days.
2. Hey….those credit cards are out there to help you do your good credit in! Let's take advantage of them. One way to do that is to carry a really high balance on your credit cards. Make it so high that all you can afford is the minimum monthly payment. If you'll do this, you'll be well on your way to making mince meat out of that credit report.
3. Next, using our good buddies the credit cards again, why don't you close a few credit card accounts. Especially some that you had lots of late payments on. Man, that will really look terrible to the credit rating agencies. Good job!
4. Ok, here's one that works quite well and it's lots of fun too. Go to as many department and specialty stores that offer credit cards…and sign up for at least one in every store. The malls usually have plenty of these types of stores. Just go in and ask for a credit application. They'll give you as many as you want. Then just take them home and fill them out and….bam…more ruined credit. Are we having fun yet?
5. Now here's an idea I'll bet you didn't think of. You know those parking tickets that you get when you leave your car in the parking zone too long? Don't worry about them. Just wait until the authorities come get you or after you get out of prison. If you're intent on ruining your credit? That is one great way to do it.

Ok, those are five great ways to get started on destroying that credit of yours. You know, of course that not paying your bills on time will actually keep you from getting good credit, right? Right? Yea, it's one of those things…people don't like to be lied to and if you tell them you'll pay your bills by a certain time and then you don't..? They kind of get peeved about it and turn you in to the credit bureaus. Yea…that's the best way of all to ruin your credit. Truth-be-told, it's the numero uno way to ruin your credit rating.

For gosh sakes, don't even think about living within your means, which means that you just don't spend more than you make. If you actually do live within your means that would probably cause you to have descent credit ratings so don't ever do that. I mean, who wants to have that reputation, right? I thought so.

Oh, oh and another thing: sitting down and working up a workable budget for you or your family will probably do more for getting you to live within those means, again, not a good idea for someone who is intent on ruining that credit. Check yourself now. You might be tempted to actually work out a budget. Be warned! If you do, you might be in danger of saving your credit rating so please resist that temptation.

Would you look at that! I've actually given you the lesson simply by explaining a few EASY methods to you. Well, now you don't really need the rest of the story do you? I've pretty much laid out the five most common ways to ruin your credit.

So, now it's up to you. Go out and start using these methods and before you know it….Shazam! You'll be on street struggling to keep your nose above water. You'll even wonder how you're going to make it from one week to another and best of all, you'll have people calling you all the time, at all hours of the day and night, wanting you to pay them. Wow! What a thrill. You are on your way.

Not everyone is as lucky as you! There are a few people who have the poor luck to actually save their credit and live normal, within their means, lives. They don't get to listen to bill collectors nor do they get those fun notices that their accounts have been closed and dang it, they don't get to try to avoid people all the time. Some people just don't get any breaks, huh?

By Gary Vaughn