I checked my credit report on one of those free for 30 days offers. I knew my credit was bad, but OMG I don't think they'd lend me 99 cents for 2 tacos. I have 24 delinquent accounts. In my defense, some of them are from credit card compaines assigning my case to a collection agency so now it's 2 accounts instead of 1. In another 2 years, some of it will roll off my report (>7 years since account activity.) Who else has terrible credit? As soon as this is off my credit, I am going to work hard to get my credit perfect. I have learned so many lessons, especially about credit cards, from this.