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my credit score has gone down the shitter lol its currently 78 out of 700 lloll..... so whats the point in paying off my debts now?

surely i can just wait the 6 years until theyre all written off and start again without having to pay back any of the £12,000 i currently owe and cant afford to pay back anyway
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BleedTheFreak · 26-30, M
My credit score is 730 and declining a tad bit. Still excellent tho ;)
DeluxedEdition · 22-25, F
file bankrupcy

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