digsite

I pulled my 3 bureau credit report today. The last time I did so was just before we bought the house we’re living in which was 5 years ago.

I chose which site I was going to use, filled in all my personal info, and clicked “Submit” …and nearly broke out in a sweat as I waited for the page to load. It was “Processing….” for a while. I felt like a kid in grade school waiting for the teacher to call my name so I could walk to the front of the class to get my final report card on the last day before summer vacation. Would I pass on to the next grade?!

I wouldn’t be so worried if I had done all my homework, which we hadn’t.

The site finally returned the report and after a couple minutes of nervousness I clicked on “Show FICO Score”. OMG! THE SUSPENSE! If my Fico score was bad, did this mean that I would be grounded for the rest of the year?! What do you think should be the punishment be for a bad fico score? Maybe it would be years of hard work where I wouldn’t deserve to spend a penny on movies, books, or music, followed by living my last days in a trailer park because I couldn’t qualify for low enough rates on a house?

I clicked on the link and my heart sank at the sight of the score. It was in the upper 600’s? That’s like getting a C- in math. Oh the horror! I used to have a FICO score in the mid 700’s. What happened?!!

I did what any good tax payer would do and delved into my reports, did some research online to see what I could do to improve it. After a long while I took a bathroom break and as I sat on the can (I always do my best thinking on the can) I realized how ridiculous I was acting.

Why should I feel that a mediocre score would mean my financial ruin? All I should really care about right now is saving money for retirement. Now THAT’S what will determine whether or not I end up living my last days in a trailer park or not. Or worse, state sponsored home for the elderly. Sigh… But before I get to a nursing home I want to live in a bigger house. And can I get good rates on a bigger house with a shitty FICO score like that?

It’s now time to declare war on the credit bureaus.. OH! and start paying our bills on time too. That might be important.