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Paying every single bill on time and in full, and making sure the issuer reports to the consumer credit bureaus can be your stepping stone to eventually getting other kinds of credit, such as mortgages and unsecured loans, finance specialist
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The OCC also expressed concern about unlimited renewals (what the Bureau refers to as reborrowing), and multiple renewals without principal reduction.
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In addition, the Bureau solicits comment on whether to require lenders to furnish to multiple consumer reporting agencies that compile and maintain files on consumers on a nationwide basis rather than only one.
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Most people in your situation don't show up and this turns into a civil judgment.