Good credit is no fun either!
By katsmeow1213
@katsmeow1213 (28716)
United States
November 13, 2015 11:08am CST
I've had bad credit all my life. Right from the get go I had medical bills that went to collections. I could never afford any sort of monthly payments on things so never got any loans or credit cards. I kept things at the bare minimum, but still always fell behind and things went to collections.
All in all my credit has been terrible.
Over the last few months we've been working on it. My credit is now fair. We have 2 auto loans and a credit card and we're doing really well with the payments.
But now my mailbox is full of junk offering me more credit. I get a preapproved credit card offer almost daily.
Today in addition to a few credit card offers, I also got a large Fingerhut book telling me I was preapproved for $500 worth of their junk, but their prices are nuts! Have you ever looked at it? I browsed out of curiosity, but stopped when I saw you'd end up paying close to $300 for a Nintendo 3Ds, where as you can get one on Black Friday from Walmart for $120, or $180 and most other places on Black Friday.
Nope, no thanks. I'm not interested in your credit. I don't want more credit cards, or junk that I have to make payments on for the next year. I'd much rather go buy it with cash and not have to worry about paying for it later down the road.
I thought bad credit was annoying.. it seems decent credit is rather annoying to. Does it ever end? Does it get to a point where they stop sending you this junk? I don't want it!
6 people like this
7 responses
@katsmeow1213 (28716)
• United States
14 Nov 15
Good thing I'm too smart for them!
1 person likes this
@katsmeow1213 (28716)
• United States
13 Nov 15
Everything has gotten to be too much about money and not enough about quality of life! Thank goodness I know my limitations. I've got as much debt as I can handle.
2 people like this
@katsmeow1213 (28716)
• United States
14 Nov 15
@sugartoes We lucked out there. Hubby got a low limit card, added me as an authorized user so it reports on my credit also, and after 6 months they raised our limit.
1 person likes this
@katsmeow1213 (28716)
• United States
14 Nov 15
@sugartoes Yeah, I have to keep hubby in check sometimes, he's really quick to suggest using credit if we can't immediately afford to buy something. He says he doesn't want to run it up, but the other night he was hungry and wanted fast food and we had nothing in our bank account. I convinced him to find something at home instead. It gets kind of tiring!
1 person likes this
@rosekiss (30413)
• Eugene, Oregon
15 Nov 15
I have lousy credit too, and trying to change that, but something always comes up that keeps it down. It really sucks too. What I hate is that you have to have credit for anything nowadays. It seems our word means nothing. I, for one, get enough of those too, and I just ignore them. I don't need to put myself in debt than I already am. 
@katsmeow1213 (28716)
• United States
16 Nov 15
It is ridiculous the hoops you have to jump through to be approved for credit. When we were shopping for our cars we got a lot of declines for financing and a lot of them said the vehicle wasn't good enough collateral for the loan we were asking for... and they said that on 3 different vehicles we looked at which were all reasonably priced.
1 person likes this
@katsmeow1213 (28716)
• United States
16 Nov 15
@rosekiss Yes, and as they keep offering more cards to people, they're just putting themselves in more debt. And it's not like our government is being a good financial role model.
1 person likes this
@rosekiss (30413)
• Eugene, Oregon
16 Nov 15
@katsmeow1213 Yea, they sure do put you through the ringer when you want to buy something. It sure isn't right but they do it. It is hard to have perfect credit with the economy we are having. It is so bad, that I am having a hard time saving money for anything, as things cost way to much, much more than they used to.
@LovingMyBabies (85923)
• Valdosta, Georgia
14 Nov 15
Your right credit in itself is super annoying! I have never had good credit either due to not being able to afford my bills. If we ever get truly settled I do want to work on my credit. Oh and yes I have looked at Fingerhut and they are INSANE! Rip off company for sure.
@katsmeow1213 (28716)
• United States
14 Nov 15
@yukimori I guess so.. but really it's not smart. My husband works for a similar type of company that rents to own furniture and appliances. I can see making installments on something like that because you need it. But I can't see making payments on a video game just because you don't have $50 to buy it outright!
1 person likes this
@katsmeow1213 (28716)
• United States
14 Nov 15
Yep, forsure... I don't know how they get any customers! Those payments are nuts!
@yukimori (10192)
• United States
14 Nov 15
@katsmeow1213 A lot of people look at the installment price rather than the total amount they'll end up paying.
@katsmeow1213 (28716)
• United States
14 Nov 15
These days nobody ever really has to have one because your bank card works like a credit card. Although it is an easier way to build credit as long as you're careful with it.
@katsmeow1213 (28716)
• United States
14 Nov 15
I know there is a way to stop phone calls, but did not know about mailers. If you think of it, let me know.
2 people like this
@yukimori (10192)
• United States
14 Nov 15
@katsmeow1213 This is the official website to do it at.
Equifax, Experian, Innovis, and TransUnion, (collectively the "Consumer Credit Reporting Companies”), encourage you to make an informed decision about receiving firm (preapproved / prescreened) offers of credit or insurance. There are several benefits of
1 person likes this
@yukimori (10192)
• United States
14 Nov 15
@katsmeow1213 The online opt-out is good for five years, and there's a permanent process you can complete by sending in a signed form after starting it at that website.
Here's information from the FTC regarding prescreened offers:
http://www.consumer.ftc.gov/articles/pdf-0035-prescreened-credit-and-insurance-offers.pdf
2 people like this
@Blondie2222 (28610)
• United States
15 Nov 15
I had bad credit too but recently i just paid everything off that was in collections. The only thing I have left i'm still paying off is my student loan. That's going to take awhile to do yet but I will get there in time..Good for you slowly getting your credit better that's always important especially if you want to buy a house or get a loan etc.
