actual statement from a bank on declining me for a credit card:
“we’ve determined that you have sufficient balances on existing revolving credit lines.”
does this make sense to anyone else?
i don’t see how a company can determine that a household with over 6 figure income feel that 1500 credit balance is “sufficient.”
i just find that to be incredibly funny.
last night, while i was beating my laptop for being such a piece of shit, paul decided to go ahead and pull up my credit report. It seems that equifax will for a low price of 8 dollars give you access to your most recent report. Checking i found that everything in the last two years was pretty darn spotless (no late 30,60 or 120 day reports, no judgements, no nothing). It was the stuff in the early 90s that’s killing me. But what was also interesting is that equifax has the wrong address, wrong birthdate, and a bunch of wrong information about me.
we had had a big discussion with friends about this on Saturday night when we were all sitting around watching kung fu madness. it seems incredulous to me (and paul and derrick and everyone else) just how hard it was to get credit these days. in the early 90s, when i was in my late teens, early 20s; you could walk into any department store and get a credit card and you were virtually on your way. Now, we are discovering with Paul, with /no credit/ file is just as bad as having bad credit. We can’t get him anything: not a gas card, department store card, hell not even a best buy card. he gets declined more often than I do. I told him what we needed to do, and what we are doing, is to get him on on the cards I have that is unsecured but has a high interest rate. he can use this card for all of his spontaneous shopping purposes (as well as finally send me flowers at work 🙂 without having to bug me about it.
i’m pretty happy with my current credit file save for the older and mis-information on it. I’ve worked my ass off to make sure that everything was set up correctly for it so that I wouldn’t have issues matters and concerns about the credit reports when i wanted something (a new car, new house, new body, whatever). my project this week is calling companies that show that i owe money and make a deal: you send me a letter stating that you will remove my bad credit statement from my record and you’ll get your money. sounds good to you? sounds good to me.
my brother, all 7’4 of him, will be flying into DC this upcoming it was an impromptu flight as we had been talking about him coming here for spring break, but it was all dependant if his basketball team won their last game before the playoffs. he wins, he’s got tourneyments to play in. he loses, he is coming to DC. since it was such a late date at getting him a ticket, the price was sorta high (and my brother has the misfortune to live in bfe Illinois where he’s too far to get a plane out of a major city) but well worth it in the end.
i haven’t seen him in nearly two years. i can’t wait.
this magic moment
we had a dozen people over at our house this past Saturday night for “Kung Fu Madness” in which we sat around eating Chinese food and watched bad kung fun movies. since we had stipulated that everyone be gone by 3am, we then carried the party out to denny’s where we sat talking about geeky stuff, while i read the USA Today from that weekend and party goers for Mardi Gras were stumbling in at all hours. As we got dropped off by our friends Lenny and Sunni in front of our apartment complex, paul had asked me if we had checked the mail for Saturday since we hadn’t we started walking towards the clubhouse to get said mail. Paul suddenly called out “sweetie” and as I turned around he jumped up in the air, literally clicked his heels and started singing “chim chimney” from Mary Poppins. It was then that I confirmed what I always knew: I’m going to marry this man.
I had related this to Paul last night when I was sitting here waiting for my windows laptop to stop being pissy (spent nearly 3 hours fixing various problems to get it working — don’t say a word). he looked at me like i had told him that i was insane as if that one defining moment was strangely the reason why i would marry him — and not any other particular moment. what can i say? it’s the little things that mean a lot.
this morning i woke up with him making me breakfast (which we shared while sitting in bed) and singing an elton john song as he brought it in. i giggled as he did this and look over to my left as he sits on the couch working on his laptop (his and her laptops — how wrong is that?). i love paul. i’m in love with paul. those defining moments which last mere seconds is what defines it for me.