We all have credit problems of one sort or another. Nowadays, what with the economy the way it is, we're all in debt to some degree. That's why my wife and I signed up for a consolidated credit program 4 years ago. What we didn't quite realize at the time was how much more damage these things can do to your credit. Especially if the consolidators don't post your payments on time. You get hassled by the credit card companies every month and you end up getting a history of late payments.
Uggghhh!
So it's no wonder why my credit is currently a bit wonky.
Last month my wife and I were forced to trade in our clunky Chevy Venture for a more economical and less troublesome car. Problem was, we couldn't trade in the car and buy a new one because of our credit. Frustrating to say the least. We finally managed to get a new Mitsubishi Lancer on lease, but the humiliation of being turned down for loans etc. was still there.
To make matters worse, practically every month for the past 11 years, my father-in-law keeps getting prepaid credit cards in the mail. He also gets loan offers for 10's of thousands of dollars every month due to his perfect credit rating. It's totally frustrating to keep seeing these letters, cresit cards and loan offers appearing every month in our mail box. You can't imagine what it's been like for the past 11 years seeing those letters pour in while we can't even get approved for a $100 loan.
Oh! And did I mention that my father-in-law has been dead for 11 years now?
Talk about unfair....
1 comment:
Only the first four or five rejections feel bad. You get jaded after that.
By the ninth you start requesting credit everywhere you go just for the pleasure of knowing it is going to COST THEM to process your rejection, (clerical salaries, forms, postage, utilities), not to mention the lost hours of production that could have been used in real productive work.
Consumers Rule, Dude! Let the Force flow through you.
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