Please explain what this has to do with dealing with living a bipolar life. Then again if you don't have anyone to talk to send me a message I know what it's like to have no one there.

I posted it in the off topic sections and had no replies but for your information people with bipolar disorder have spending issues along with credit problems. I am lucky cause I got my SSDI approved and got to pay some credit cards off and I don't know if that will help my credit score..

THATS WHY!

Can't we all just get along ????

Well if you don't know about spending spree's and bipolar disorder I don't think you know much about it at all.

Wow I didn't mean to kick your puppy chill out

sorry i am going to go take a kalanopin now

but if anyone knows the answer to my question i would really be greatful for a response.

It will go up and another way to make it go up is to get your credit report and send explanations for every blemish on you credit report. I did it and I had bad credit before I did it and was able to get a mortgage after ,so give it a look see............I will take a klonipin too

lol! sorry, i'm laughing with you two? (((hugs))) my credit sucks...i know how you feel nick

Be sure and contact the credit place and ask themto rremove your paid off once. Your credit rting is with points. So many points for being so many months late etc etc.

They should call Credit Scores..."Bipolar Scores"...'cos they go up & down unexpectedly !

Your credit score will go down.

The score is based on having credit, debt/income ratio, assets and payment history. If you don't have credit, your score actually decreases.

After awhile, the score will recover from the payoff.

Credit scores go down if you payoff early too.

I am concentratin on improving my credit also. The best thing you can do with credit card debt is pay as much as you can on the monthly balance, over the required minimum.

I don't know what your level of debt is, but once you get them paid off, I would recommend keeping only one and using it for a small purchase once a month and then paying it off in full each month. I was able to raise my credit score 86 points in 5 months just by making the small purchases and paying them off.

Also, my credit card gives me my monthly credit score as a courtesy. If you want more info about that, you can let me know.

By the way, I think this is a topic of concern for many people with BP who are in recovery.

Good luck!

Sorry for the typo! That is supposed to be "concentrating," lol...I am a little nutty about my own typos. :)

credit? credit scores? I'm just waiting for 4 more years so I can file for bankruptcy for the 3rd time. I hate living in NY....bloodsuckers.

Your credit rating looks at if you've paid on time for the past 2-3 years and also for county court judgements which will determine what rating you get. I have had massive debts from years ago and have learned huge amounts about this sort of stuff. I have paid off everything only just after 10 years of having a crappy rating. I still don't have a great rating because my credit report still shows that I was late with some payments over a period of time and there is still 1 CCJ remaining on the report, which although has been paid in full, still adversely affects my rating. I hope that this helps.