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    I'm scared to ...

    .. sign up for a credit monitoring service.

    I've received my free annual credit report the middle of this summer and I've requested my pay off amount. (I've been checking the mail Every. Single. Day.)

    And so I'm ready. I'm curious as to what my scores are, but I'm afraid to sign up with a credit monitoring service. I don't know why.

    Maybe it's because I'm nervous about credit. I have a great job. And I finally have enough experience to know that I'll be able to find a job when I need to ... hopefully.

    See.. when I bought my car in August '01, one month TO THE DAY of taking delivery, I was laid off. The next couple of years were tough. Then things started to look up and I purchased some furniture. Then.. well, I'm here now. However, my life has been steadily improving.

    My boyfriend says that if I want to eventually buy a house I need to start to rebuilt my credit. But I'm scared. With my luck, when I do get credit, things seem to turn south. I'm a lot more confident right now in life and finances, but still...I sometimes wonder if it is The Spirit Of The Universe trying to tell me something about credit.

    At anyrate... I suppose I'll take the plunge and sign up at a credit monitoring agency...I'm just not sure which one I can trust. I've been thinking about doing this for 2 weeks already.

    Sometimes I wish I were a kid again. There was someone bigger than me watching out for me and telling me what to do. Being adult can be ... a rough road sometimes.
    Chapter 13 Filed "Old Law"
    Filed: 6/2003 Confirmed: 3/2004
    Early pay off sent: 10/05/2007 - 9 months early
    11/16/2007 - Discharged!

    #2
    I do understand you, because I feel the same way.
    However, you and I can repair our credit and just not make any big debt. I was thinking of just using a card to buy only gas and paying it off every month just to rebuild.
    I hate credit. I REALLY really do, but its a world where we are most likely heading for digital, cashless society. Asia is just about there, paying subway and bus fare with cell phones connected to bank accounts. Yuck.
    WAM
    ch7 8/07 CLOSED: 11/07 Rebuilding and saving.
    WAMU unsecured $2,000 Capital One unsecured $500
    PAID OFF MONTHLY!!!

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      #3
      Originally posted by whatamess View Post
      Asia is just about there, paying subway and bus fare with cell phones connected to bank accounts. Yuck.
      WAM
      And another

      I don't even have a cell phone.

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        #4
        I'm scared to face the music too once we get on with that phase of things.
        Filed Ch7 - 10/2/07 no asset
        341 Meeting - 10/29/07
        Discharge - March 2008 forgot the date

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