How will you get bad credit?
People who have bad credit belong to a few groups.
1) individuals with little if any credit, those that just haven’t founded credit however. They do not utilize charge cards, haven’t had an auto loan and simply do not have accurate documentation to base a credit score in.
2) Borrowers who will be holding debt that is too much. Also it will hurt your credit score if you’ve maxxed out your credit cards if you make all your payments on time.