gigamatic

Well, yesterday was mortgage day for me. An enlightening trip down Memory Lane, reminding me of how I spent my early to mid 20s... too poor to pay off debts incurred during my late teens and early 20s, and too poor to pay for my own utilities.

So... what did I find out? Well, with some calls, and some checks, my credit can be back up to 'normal'. And, if you've been good at paying your car insurance, or even your cable bill, you can get proof and have it added. It helps.

The good news is, I can still be on Nala's mortgage without bringing up the interest rate. I've just emailed our mortgage guy to see if it will bring down Nala's credit.

Update: It will not disrupt either of our credit reports. Only payments (or lack thereof) on the mortgage will affect them.

Since I've moved here to Columbus, I've made much better decisions and I've actually had jobs which paid enough. It makes a big difference.

Ok, now today I have a paper to write and a few letters and calls to creditors.

Update: Made all 3 calls. TimeWarner will not do a payment history, but will send a letter explaining my good standing. Sprint will not do either one, but explained that "a payment history can be printed at any time from the sprintpcs.com website." State Farm is faxing me an actual payment history.

Perhaps the Matt on Earth-1 has a better credit rating.