owning up . . .

Posted By: maam1 on 2007-05-21
In Reply to: I wasn't trying to jab you. Something's not - right though when

What I am trying to say is it is still out there lurking on my credit report . . . my late payments, some companies do not have "hardship clauses" (i.e. loss of job, illness, etc), they actually refused my payment when I could not give them what they wanted!!!! Now it is there and won't fall off my report for another 3 or 4 years

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ruined credit???? - maam1
- Not exactly the same situation - Margaret
- thanks for your responses, - maam1
- Your credit is ruined because you didnt do anything about it - back then.You should have stopped it after 1st lat
  - Right on. - nm
  - after first late check. - nm
    - 1st late check - maam1
      - I would think nonpayment would be the best reason to be - able to get out of contract. nm
        I thought the same thing sm - maam1
        Tell me about it- and what makes me mad - Margaret
        To restore credit, get a card that is pre-paid and use that - responsibly. 1st step to repair credit. nm
        Unfortunately - Margaret
        Not the only way, my credit just restored on its own - Tater
        Saw your post and you can come out of bankruptcy - Joanne
        Yeah, thats what I'm talking about. - Margaret
        How my daughter got her credit started - Joanne
        It should be on there a long time. It takes - time for people to change.
        But that doesn't apply to every - Margaret
      - Wow. I really am always amazed when - I see posts like this. SM
        this was not helpful and not necessary - why even post this? It's useless no message
        Bounce 1 paycheck, and contract or no, I'm outta there. - Me too but not for the same reason
        ruthless - maam1
        I wasn't trying to jab you. Something's not - right though when
        that is a pretty big - Margaret
        Hmm...And Homeless People Deserve What They Got? - Amanda
        Homeless has nothing to do with poor credit. - You're comparing apples to apes.
        Actually - maam1
        Wow, that sux. - Margaret
        You let credit get bad before house sale. - nm
        What is your point? nm - Margaret
        If OP hadnt been lax with credit, house sale would not be - such a problem. nm
        So? If - Margaret
        I think some homeless end up that way becuase of their own bad - choices. Life is not something that just happens t
        Some. Few, actually. But not all. - Margaret
        My first husband chose that life - Justine
        I don't doubt that there are - Margaret
        He had the running fits and - Justine
        ...just happens to you. You can change it. - nm
        owning up . . . - maam1
        Yeah, and they will tell you that they - Margaret
        I have heard you can put explanation on some reports, ie, - they refused payment. Might look into that. nm
        I wish . . . - maam1
        You have to look at it from their point of - view ... sm
        Yeah but so why do they buy lists - Margaret
        Because you can't file again for a while. - They can make you pay then!
        My point exactly! - Margaret
        THAT'S what I hate . . . - maam1
        I agree . . . - maam1
        Sorry to say, but you have proven yourself a bad credit - risk, not some company. nm
        just frustrated - maam1
        Yeah thats what they do, they charge - Margaret
        I feel for you - sm - I understand
        Thanks . . . for your support - maam1
        Years ago I took bankruptcy and then - Tater

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