Three years after my divorce, I finally was able to get my credit score up to 680. That is not bad concidering my ex failed to pay our mortgage for 6 straight months.
I have one credit card that has 21% (shaft me I have shatty credit)interest and was able to pay it down to 4000 from 8000 in 3 years time. I had alot of stuff to "rebuy" after my Ex kicked my ass out.
After three years of busting my ass to get a better credit rating, I started applying for select 0 APR and looow interest CC's which all rejected me
I went to the local bank where I have banked for the last 20 years and the loan officer (who has been there forever) siad they could give me a consolidation loan for 20%!?!? WTF?!
I have not missed a payment for 3 years and also before my f'ed marriage I had great credit then too!
I finally had enough of that shat so I went to the local credit union and they gave me a 10,000 credit line with 10% interest! I was so f'in happy that someone would give me another chance to save alot of cash with a much better interest rate.
Ok here is where it gets interesting. My bank sent an electronic payoff payment to my cc company.Later that day when I got home from work and was going through the mail, Chase Credit card company finally approved my app I sent in 2.5 months ago?!?! Then after reading farther they also sent an electronic payoff to my CC Company also?!?!?!
Talk about a mess! I am waiting to see which payment hits my CC company first. I am hoping it is the one from my new bank and that my CC company will "credit back" my new
Chase credit card.
Damn this was embarrasing because after 2.5 month of silence from Chase I thought I was rejected again!
I go from having no credit to having to much credit!!
Ausm
I have one credit card that has 21% (shaft me I have shatty credit)interest and was able to pay it down to 4000 from 8000 in 3 years time. I had alot of stuff to "rebuy" after my Ex kicked my ass out.
After three years of busting my ass to get a better credit rating, I started applying for select 0 APR and looow interest CC's which all rejected me
I went to the local bank where I have banked for the last 20 years and the loan officer (who has been there forever) siad they could give me a consolidation loan for 20%!?!? WTF?!
I have not missed a payment for 3 years and also before my f'ed marriage I had great credit then too!
I finally had enough of that shat so I went to the local credit union and they gave me a 10,000 credit line with 10% interest! I was so f'in happy that someone would give me another chance to save alot of cash with a much better interest rate.
Ok here is where it gets interesting. My bank sent an electronic payoff payment to my cc company.Later that day when I got home from work and was going through the mail, Chase Credit card company finally approved my app I sent in 2.5 months ago?!?! Then after reading farther they also sent an electronic payoff to my CC Company also?!?!?!
Talk about a mess! I am waiting to see which payment hits my CC company first. I am hoping it is the one from my new bank and that my CC company will "credit back" my new
Chase credit card.
Damn this was embarrasing because after 2.5 month of silence from Chase I thought I was rejected again!
I go from having no credit to having to much credit!!
Ausm
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