    Erin (Spaz) | Thursday, July 13, 2000 - 11:49 am  I recently applied for a credit card and got a letter in the mail saying I had "derogetory credit" .. what could they have said about me? What does this mean???? I never applied for bankruptcy, Never had repos, no leases were ever broke, etc. The only bad credit I have is an unpaid phone bill, and an unpaid ER bill. |