For most of my adult life, I've had excellent credit. For a 2 year period, for many reasons, my credit turned ugly. I had limited money and I needed to buy diabetic supplies.
Thanks to a manager at my credit union, She helped me raise my bureau to around 700.
That's not great, but better than I had in years.
I still had my son's bill's to pay but I paid for them. I paid all my bill's on time and still do.
I have credit cards, too many I guess. I am prompt enough, that my credit limit goes up
all the time with various cards. I stopped carrying lots of cash.
I have to move, I decided to use my Veterans financing. I have been turned down
do to my debt-income ratio. I always pay my debt's and have money left over.
I explained to the loan officer, I was spending over one thousand dollars a month paying
for diabetic supplies, and other needs of my son. Finally, I am getting him Social
Security which will allow him to pay HIS own bills. He is 32 years old.
After a 5 year wait, He now lives in Seattle Public hosing. He has a small, cute, one
person studio apartment for $50 dollars a month. He now has food assistance.
he is a Type1 diabetic who test's his blood sugar 10 times a day. His doctor says 4 times
day is plenty. He insists he needs to test it more often. The state pays him only
enough for 4 tests a day.
I have a friend who had perfect credit. He got involved in a bad business deal and
his credit fell to below 500. THAT is bad credit. He lost his home and business.
He was using his wife's credit and ruined hers as well.
As a 68 year old man, he and his proud wife are forced to live in the downstairs of
a friends house. He does labor for them.
He has no idea how to get even an apartment because his credit score must be a
certain number or he can't live there.
Our life is now controlled by a number. You can't explain anything. You have to reach
a score or your screwed.
I remember a time when you could sit down with a financial decision maker. If he or
she would look AT YOUR WHOLE LIFE, you may get the loan. Now you talk after
an invisible machine decides if your credit worthy.
Everyone should pay their bills on time. Sometimes in life, negative things happen to
even the most intelligent. Maybe Bill Gates or people like him, have had nothing but
good happen. There are others who are human and deserve a another chance if they
Continue reading under the fold.
I WILL get my loan because I simply need to pay off my credit cards. No one now tells
me I don't pay my bills. I have too many to pay. I will fix that.
I have every confidence my friend will solve his financial issues. I warned him the ONLY
way to fix your credit, is to get a secured Visa card, pay it every month. Only time
can improve your credit score.
Never pay someone to fix your credit. Ask me, my charge is a smile.
If you do as I say,, your credit will be at least 700 in 3 years or less. We live in a computer world now. Your a number. Accept that and fix your issues my way.
Never get depressed over something so silly as credit. Pretend you live in Syria, or Iraq.
Pretend you live in Africa. You could have a very scary disease.
Life is too short to sweat the small stuff. If you have bad credit, fix it.
Your a progressive liberal or you would not read the DK.
-Life is like playing a violin solo in public.
and learning the instrument as
one goes on.