Okay, I'm going to raise my hand but I respectfully plead the 5th on the depth of any alleged "credit insanity" lol I will agree that "you" have positive issues and will only encourage you to continue on what is an absolute life/credit changing journey. Now if you form a support group and I show up, remember that I am only coming as an observer so that I can document when I might be standing on the edge of being sucked into the sequel of Ground Hog Day--The Credit Version lol
Me me me!!! A lot more now since I'm tryng to get an auto loan at the end of November. I've already established that my Merrick Bank card CL will double from 700 to 1400 on my October statement, which means it'll report double in Nov. I check both my cards (fortunately? I only have 2 at the moment) to make sure my payments posted, and then calculate how much to pay for the weeks until the statement date to get 1 card to 0% and the other to 1%. Then I go into my paycheck spreadsheet and make sure it's set up to account for that, and account for any balance changes.
Then i go onto creditkarma and creditsesame to see if the scores increased (even though I know CK only updates weekly and CS maybe monthly). Then I check my disputes, and my email for GW responses. And I come on here and hang out here all day. And I have all these things open in different tabs at the same time.
And I mess around with fake numbers for the auto loan to see what my payment and total interest would be, given certain terms, and how much to pay extra to pay only a certain amount of interest total.
I even added a siggy on here to keep an eye on my goal. 
I surfed the forum for a while for ways to deal with one of the worse CA's. My cash only policy left me with all my old positive stuff falling off and a thin file. I continue to ask questions, answer them and only recently took an "active" participation on the forum. I think the obsession perhaps is perhaps a personality type--or a person who desires never to be taken advantage of "credit wise", ensure old issues don't repeat themselves, etc.
Sometimes it's not about rebuilding but more of a lifestyle change. My dw who has NEVER had a credit set back now participates on the forum as she learns things she has never knew because "she just never experienced it". She's a Suze Orman, Dave Ramsey, penny pinchman, creditworthy, BEAST!! lol I say it in the most complimentary way because it's amazing to watch. Although I've seen the promised land of credit..she's seen it and has never left it.
@Whitneyy wrote:I was like this at the beginning of my rebuilding journey, but I slowed down a bit and I surf the forums now just to offer advice and just read up on things.
I'm obsessed with gardening.
9 days till silver spade...
Finally, I found a place where me and my insanity belong....
Yes, since the start of my rebuilding journey I have become obsessed with slaying the baddies, and building as many positive tradelines as possible so that I can possibly qualify for a home with a decent interest rate in about 12 -18 months time from slaying the last baddie on my CR.
Now I have to admit, I haven't gone the spreadsheet route, but yes MyFico is one of the first sites I log onto in the morning......hangs head in shame and shuffles off to the corner.
So when does the support group meetings start and ummmm who's bringing doughnuts....
@seruby wrote:Then i go onto creditkarma and creditsesame to see if the scores increased (even though I know CK only updates weekly and CS maybe monthly). Then I check my disputes, and my email for GW responses. And I come on here and hang out here all day. And I have all these things open in different tabs at the same time.
And I mess around with fake numbers for the auto loan to see what my payment and total interest would be, given certain terms, and how much to pay extra to pay only a certain amount of interest total.
@Zorasmiles - I will let you know when the first meeting takes place, LOL. i hope there is free donuts! You are correct about the personality type, I am naturally a person to obsess over things and I easily become addicted to almost everything enjoyable. For instance, food............(hence the free donut comment, lol) has always been an obsession for me. I love to eat, and it shows! LOL. Now if I could just become as obsessed with losing weight and eating healthy as I am about my credit, I will be 130 pounds of rock solid crazy-lady!
@seruby - Yes, I forgot to add that, I do the same thing with the auto loan numbers, I use amortization calculators all the time and know how much my auto and house payment will be at any given time, with any given rate, if I ever qualify for it. I have a chart and spreadsheet with my auto loan that tracks the extra money I put on my principle and the approximate equity I have each month. I plan to refi again in about 6 months, hopefully for the last time. As far as the free credit sites, I KNOW the score only updates once a week/month, but that does not stop me from obsessively logging on daily anyways, LOL. I love the fact that CK now gives me a full credit report free every week. That is awesome. I am also trying every which way but loose to get stuff that was IIB to be removed from my CR's, especially the collections, so I am disputing on a constant basis. It is so bad that Experian won't even let me open a dispute online anymore, ROFL, I have to manually write in now.
My latest obsession is learning how to rob Peter to pay Paul (just kidding) by finding ways to pay my biggest monthly bills (mtg and auto loan) with a rewards earning credit card so I can earn travel and cash back on my monthly bills. I have found a way to do that and it is cool because it costs me nothing and I am earning about $60 a month in rewards, that is about $700 a year. I am going to let it accumulate for about 4 or 5 years and once I have over $3000 available, I am going to take a vacation and use my card for the entire trip, then use my rewards points to pay it all off.
@alienfico wrote:So when does the support group meetings start and ummmm who's bringing doughnuts....
I am still laughing...............if you look at the message I just posted, that was my first comment...............I hope someone brings donuts! ROFL. As you can see from the time and date stamp, we were both writing at the same time. Looks like great, obsessed minds do think alike.
@Divaofsongs wrote:
@alienfico wrote:So when does the support group meetings start and ummmm who's bringing doughnuts....
I am still laughing...............if you look at the message I just posted, that was my first comment...............I hope someone brings donuts! ROFL. As you can see from the time and date stamp, we were both writing at the same time. Looks like great, obsessed minds do think alike.
If there is a positive spin on this insanity...let it be good scores and getting the outcomes we want....
then we can have all the doughnuts our heart's desire. Great minds do obsess alike .... ROFL