my husband pays his whole bill as soon as he gets it and only uses it to keep it "active" and building on his credit!! I am afraid to apply because I always get denied!! when I bought the cra she said I had some "scars" becuase of hospital bills in past "appendix bursted" and I had no insurance then and supposedly the are my credit as non medical, but with all that I still had no credit score at all!??!! this stuff doesn't make sense to me!
