Well the worst way is if you break a mirror 7 YEARS!!!!!!!!!! bad luck or if you walk under a ladder bad luck or if you see a black cat and it pass in front of you or if you get bad karma or if you walk in a building with a unberila in a house
NO. If you have bad credit, it will only be erased if you make it better. Paying bills on time, paying more than is due on payments and staying within your spending budget is a way to build your bad credit into good credit.