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Posted: Wed Dec 05, 2007 8:15 am Subject: One number controls our lives

I wonder how many of us realized that one number (three digits) would have so much control over our lives. When I was younger and I first getting credit cards and student loans, I never realized that all these debts would accumliate into one number that 20 years now rules my life.
We have alot of unsecured debt and I bounce back and forth between Chapt 13 and contacting a debt consoliation company but you know what holds me back? My credit score. I am afraid of how it will hurt my credit. Shesh. I never knew that one number could cause so much greif in my life.
Do others worry about their credit score as much as I do?? Question

Posted: Wed Dec 05, 2007 10:10 am Subject:

Yes, it is amazing how a number somehow defines us as a person. I find this incredibly disturbing. I used to worry about my credit and made sure that it was outstanding. But, sometimes we can't control everything, and due to numerous medical bills and a loss of income, my credit is in the toilet. I used to get so upset thinking about it that I became really depressed.

Now, I am passed the point of worrying and feeling low. It is what it is, I can't change what has happened, I can only move forward, and regardless of what the business and financial world tries to impose on us, there are more to people than their credit score.

Posted: Wed Dec 05, 2007 10:26 am Subject:

very well stated Tiffany. Too bad we couldn't put something in there to tell business why the number is so low. Loss of jobs, medical problems, family issues etc. has a huge impact on our scores. But now I deal with my credit union, who has given us a second chance and views us not only on our score but as people. It's nice to see that some banks can do that. Because of the credit union giving us a chance, our numbers are going up Smile

Guest · Posted: Wed Dec 05, 2007 5:15 pm Subject:

I personally do not worry about my credit score. I have my mortgage set and everything else is cash on the barrel. I have purposely sent my credit score to the basement THUS nobody will want to steal my identity of try and use my credit

Posted: Wed Dec 05, 2007 5:23 pm Subject:

That is great that you have a credit union helping you get back on track. People can overcome these bad patches.....heck, look at Dave Ramsey, there's proof.

Posted: Sat Dec 08, 2007 2:31 pm Subject:

Posted: Sun Dec 09, 2007 8:13 pm Subject:

I have been thinking of doing that...think it's not worth the trouble??

Posted: Sun Dec 09, 2007 8:35 pm Subject: r

morning, I did. I tried to be as "to the point" as possible so it wasn't "long winded". But I figured it wouldn't hurt anything to put a statement. Maybe like LCW says - no one would see it, but I did it anyway. Made me feel a little better that I at least got to put my two cents in!