my score is about 530(very bad) i never had a credit card, loan , house, nothing like that! its just utility’s, medical,cell phone bills n its about 5000$ i own the most n am not sure y mi score is so low but i think is because i never pay my bills on time n some of them i never even pay them !so pls pls if u no y my credit is so low n have an idea about what i should do BETWIN calling everyone i own money to n work out a deal or go debt consolidation with all the debt in one !