Why You Messed Up Your Credit:

• Here's where the difference in "fact" and "opinon" comes in again.
• Plenty of companies will tell you you can afford to buy something when you can't afford it.
• They mislead you to make a sale, you are hurt.

Here's a prediction:

Your credit will be slammed if you let most sellers tell you what you can afford.

People our age fall for this scam more than anyone.