I have VERY poor credit, never had a credit card!!?

by Chris Devers
Question by kidicarus2k2: I have VERY poor credit, never had a credit card!!?
Ok I have a very bad credit score of 520 and I have a little idea why. Ok I never had a credit card but earlier in my life I took out a $ 2500 loan for school and I never paid it off until over 3 years later but I paid off the debt in full to the collector. Now it says I currently own a company $ 309 (which I think I do.) and that the debt has transferred from the comp to TransUnion (I

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