How to rebuild credit score?

Terrible advice.

Thanks :)

@IchBin: I do this for a living

@nedkelly: 20 cents on the dollar is fucking outrageous. Do have any idea how fast that will add up? Having shitty credit is better than sink yourself into deeper debt.

@nedkelly: Someday i will have to finance in able to get things i need like a house, car, etc. Just thought this would be a good time to work on credit. I stress out about it a lot

@IchBin: He has debts, he pays the bank 20 cents for every dollar he owes them - saving him 80%

@IchBin: You are 16 years old lol

@JS1992: that is his IQ as well

@nedkelly: That's not how that works, m8. At least not here. What you're talking about here means paying back 120%.

@JS1992: And?

@nedkelly: haha

@IchBin: BULLSHIT, debt collectors are happy to settle any amount owing as they purchase the debts for around 5% of the total debt

@nedkelly: I'm aware. I simply misunderstood your earlier post. No need to be an immature cunt.

@IchBin: You should read my answer first instead of just being an ignorant cunt - lol

@nedkelly: Oh I did. I'm bilingual, but I don't use English outside of the internet. Careful not to drink your own kool aid there, Ned.

@IchBin: Dude, get your thoughts on this straight as you start out. You have a huge misconception of how credit and finances work. It can be an easy road, or a life of financial hell. It's your choice to make.

@SchifiniYeppyKase: I understand how finances work. I live by myself. I simply misunderstood a couple of words.

@IchBin: We do not have kool aid

@IchBin: You were thinking of 20% interest rate

@nedkelly: http://www.urbandictionary.com/define.php?term=drink%20the%20kool-aid

@IchBin: I am NOT american

@nedkelly: Neither am I.

Ned is an expert

@JustImagine: Well, according to him.

@IchBin: According to my clients and my qualifications

@nedkelly: I'm not saying you're a liar, not at all. It's just that none of that stuff really matters when you're on the internet. We're all anonymous here. If you would like to provide proof, go ahead.