Tuesday, July 12, 2005

Credit Scores

I learned a long time ago to take damn good care of my credit. I always used to see my mom struggle because she could never get any loans for things because of her shitty credit. She couldn't ever get any decent cars, home repair loans, etc. That shit taught me that if I want to get nice shit, I have to take care of mine... so I did.


I always paid shit off early, I never spent more than I could afford comfortably, I always budgetted conservatively, etc. I did everything I could do so I could live financially comfortably, and for a long time I did live happy with my perfect credit. Now, is a different story.


When my ex-wife and I split up, we split our debts evenly. I paid mine off. She had taken about $6,000 in credit card debts, almost $5,000 of which my name was attached to. She went to some debt counselling lawyers to try and have those debts negotiated and reduced. Their first piece of advise: stop making payments; we'll take it from here. She asked me to sign some paperwork and assured me that everything would be alright after the debts were paid off. They took that shit and did all kinds of negotiating, all the while my credit was getting fucked up. Now I have a judgement on my credit report, adverse accounts in the thousands of dollars. My shit is on complete lock down now and it will remain that way until 2012. In the mean time, no bank or credit union will give me a loan for anything, for no amount. Since I can't take out any loans I can't raise my credit score. My shit will be blank for years to come, with only my house on there, that's it. No loans or anything to show that I pay on time and shit. I'm so fucked. I worked so damn hard to make sure my shit was damn good. I had all kinds of loans on there that said "paid off" or "paid on time". I am never putting my fuckin name on anything to help any-fuckin-body out ever again. You don't know how aggravating this is, how frustrating it is to know that I worked hard as hell for years and years to make sure my shit looked good and then have someone else come into my life and fuck it all up in just a few months. FUCK!!!!!!!!!

[ TheSaga | 12:53 PM | ]