Yep, I's Me....

 I got a credit card before I knew how to use it responsibly. So, I lost my job, went on disability and could no longer pay. Instead of talking to them and explaining the situation, I let it go to credit collectors..... This was back when they were allowed to threat you and make your life miserable. Almost killed myself thanks to them....

I finally got smart, talked to my bank and they helped me. My mom also helped and I paid her off instead (no interest). I love my mom. Unfortunlately it made my credit worth CRAP and I don't make enough now to even qualify for it. Not that I would take it anyway, just because although I'm older and I like to think a bit smarter..... I don't trust myself not to screw up. =(

Of course it makes buying things online a bit difficult. I have to rely on the kindness of friends and family to give me gift cards for the online sites I like. =(


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Feb 12, 2009