No apps until January ...Atleast!!
I'm still here. Pass a Hefeweizen, as this waiting is driving me nuts.
Still gardening my lil' patio garden (2 secured cards) and joined a CU a couple of weeks ago. Take that, Big Evil Banking Entity! My biggest derogs were four defaulted student loans that I have been patiently rehabbing since January. I made my ninth rehab payment 9/17, and am waiting for them to be picked up & put back into non-default status. I checked the Default Resolution Group's website over the weekend, and they are reporting a zero balance - fingers crossed that means I've been picked up! Am still on track to be debt-free by June 2013.
In other news, have tentatively taken first steps toward researching a home purchase. Have a friend who's a realtor, who has been kind enough to answer some questions over lunch. Have an appointment with a mortgage broker, who knows my rebuilding process and is going to at least give me some advice. Homes are cropping up in the neighborhood I want that are definitely within reach for me financially....I'm not pulling the trigger on that anytime soon but it's at least nice to dream & start working toward that goal. Now all I have to do is stay patient, and don't rush into anything too quickly.
Well, I'm still in the garden, but I'm edging toward leaving the garden to get a credit union credit card due to my ongoing unemployment. It hasn't come to it yet and I've been holding off on any apps because I want to get a mortgage next year, but I've been unemployed for three months now so I have to take every possibility into consideration. If it becomes necessary, I'd rather have to carry a balance on a high CL, low interest credit union credit card rather than my high interest rewards cards.
I'm still clutching my platinum spade right now, though, and I really don't want to have to lose it. :-(
Starting Score: TU: 566
lithium78 wrote:Well, I'm still in the garden, but I'm edging toward leaving the garden to get a credit union credit card due to my ongoing unemployment. It hasn't come to it yet and I've been holding off on any apps because I want to get a mortgage next year, but I've been unemployed for three months now so I have to take every possibility into consideration. If it becomes necessary, I'd rather have to carry a balance on a high CL, low interest credit union credit card rather than my high interest rewards cards.
I'm still clutching my platinum spade right now, though, and I really don't want to have to lose it. :-(
I wish you the best in finding a job!!
Tommy5746 wrote:
lithium78 wrote:Well, I'm still in the garden, but I'm edging toward leaving the garden to get a credit union credit card due to my ongoing unemployment. It hasn't come to it yet and I've been holding off on any apps because I want to get a mortgage next year, but I've been unemployed for three months now so I have to take every possibility into consideration. If it becomes necessary, I'd rather have to carry a balance on a high CL, low interest credit union credit card rather than my high interest rewards cards.
I'm still clutching my platinum spade right now, though, and I really don't want to have to lose it. :-(
I wish you the best in finding a job!!
Thanks! All those politicians who say that unemployed people are just lazy have no idea what they are talking about. I've been trying to find a job that will pay the bills for 3 months and I've had 7 interviews and no offers. The competition is so fierce, especially in my field (education), which has faced drastic layoffs over the past four years. I really want to be careful not to screw up my credit.
