Voicelessness and Emotional Survival > Voicelessness and Emotional Survival Message Board
Physical reactions
Hopalong:
I don't blame you, Boat.
Do you have Caller ID or a voicemail?
Hops
Meh:
Oh it was a long time ago, I only picked up my phone once or twice to the collection agencies and then I "GOT IT"....that they were just going to harass me for as long as they could. The good thing about the phone is I don't have to talk.
It went on my credit report twice- so the damage is done to my credit but at the time I was so depressed and wasn't making any money that I didn't give a rat's arse.
It's just an example of how one can grow to dread something.
Hopalong:
http://www.experian.com/credit-education/improving-credit-scores.html
If it has been more than 7 years and you haven't paid late since, your credit score is self-repairing. But there are a lot of ways to make it improve while you wait for time to work, too. Like inserting explanations (I was ill, out of work--those can go on the record of your report), etc.
When I did the Dave Ramsey FPU course, I wound up cutting up my credit cards. I have the shards of colorful plastic in a little crystal vase that my mother cherished. I like the irony.
xo
Hops
Meh:
--- Quote from: Hopalong on October 11, 2013, 07:45:12 AM ---http://www.experian.com/credit-education/improving-credit-scores.html
If it has been more than 7 years and you haven't paid late since, your credit score is self-repairing. But there are a lot of ways to make it improve while you wait for time to work, too. Like inserting explanations (I was ill, out of work--those can go on the record of your report), etc.
When I did the Dave Ramsey FPU course, I wound up cutting up my credit cards. I have the shards of colorful plastic in a little crystal vase that my mother cherished. I like the irony.
xo
Hops
--- End quote ---
Shards of plastics in a crystal vase, this does sound poetic. So the comment can be added by the reporting agency to the report?
Hopalong:
That's right, as I understand it.
Google "repairing your credit report" and you'll find info.
I believe you can write an explanatory letter and send it to all three major credit bureaus, and they have to add your explanation.
hugs
Hops
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