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No record is worse than poor credit score. Anyway the damage s done and now 18 years of doing my best to keep my mortage in decent shape is now damaged for at least 7 years. There are plenty of examples of folks who have increase their scores by 100 to 150 points over the course of 8 months to a year. 24 or 21. Then when you do get those points, you may find they have been devalued for most flights and end up in MonctonMan's situation. It DID teach me not to spend money I don't have, so by the time I got a credit card (at 25!) I KNEW how to responsibly handle a credit card. Try applying in-branch for 60,000 or 75,000 points. There are mainly two types of credit cards that are issued to people with bad credits.
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If youвre a frequent domestic traveler, this means you can basically travel in first class for the price of economy. Any economical loan that does not have security is regarded insecure.