Why is my credit score 403 because of having no credit ?

Question

i have a $1,000 bill with sprint when i've always dealt with cingular. I've just paid off 3 bills that were sent to mercantile.
I just don't know what the deal is.

Answer 1

i think it is time you took your cell phone and flushed it down the toilet and start acting like an adult and pay your bills!!!

Answer 2

Were those three bills past due? Then that pretty much explains your credit score.

The only thing worse than no credit is only having a little credit and most of it being late payment.

You're spending waaaay too much time on your cell phone if you've got a $1,000 bill.

Answer 3

how old and how much were the three bills you paid off? They must have been months or years late. I've never heard of anyone with a credit score below 500. Mine never even went that low and I had a bankruptcy -it's back up over 720 now

Answer 4

probably because of the $1000 bill. Better call Sprint and clear things up. The longer it's there, the worse for your credit. Once they clear you, get a copy of your credit report. You are entitled to one free report a year (annualcreditreport.com). whichever companies you have a problem with, you have to call them and work things out.
someone else may be using your social security number to get a large amount of credit. make sure every entry on the report is yours. then call the three credit reporting companies: Experian, TransUnion and Equifax to report any discrepancies. they will ask you to file the report.

Answer 5

If you have bills that have been sent to collection then you have bad credit. 403 is a very very low score.

Answer 6

uh, call them and ask why the heck they're billing you $1000?

Just a guess...


Also, I *BELIEVE* one of them recently bought out the other, you might want to check that first.