Credit Declination and Financial Fitness

No one likes to talk about money right? Well oh well! Im blogging about my embarrassing but well received learning adventure. 

So you know that mortifying feeling when you get to go check out and you don't have enough money? or your credit/debit card gets rejected at the check out ? Sorta had this feeling a couple of months ago...

Read on...
 
The Mortification...


I don't check my credit often - no reason to (I thought). Well I randomly got rejected for something that I knew was well w/in my budget/means, etc bc I don't use credit often. Well, got a response in the mail that I was not approved. I was confused, and right there, the rejection reason? Bankruptcy. I get that. An institution not wanting to issue me a credit card or whatever due to filing bankruptcy. Could be a bit of a risk? Maybe want to be sure I'm back on my feet? Again, understood.

Soooooo -
Why did I have issue with this??

I. Never. Filed. For. That.  I completely flipped out., Googled til my fingers turned blue and finally breathed, created a plan and pushed to resolve it.

So - The Plan!
1) Get Informed --  Got my credit report (free) - :isted on the report is what court this was filed in with a case # so then I ..

2)  Make the Call --Called the court that had this BK filed against me, confirmed it wasn't mine and FOR FREE went to the (3) bureaus


3) Be Alert --  AINT NOBODY GOT TIME FOR THAT! Being at work or wherever and suddenly having this hit you is like a ton of bricks. So I don't like surprises - I put credit monitoring on via Free Credit Report. Banks do it too, maybe $9-10 a month. For what I felt, this is definitely work the investment.

Result:  Within 30 days this was removed, approvals received and credit cleared up. Scary but hey, its not just about physical fitness but financial fitness so apparently I need to do better here too!


Ok so I know that the Free Credit Report Song guys are pretty goofy but I HIGHLY recommend getting your annual report if not some sort of monitoring through your bank.  I told a couple of people about this. I don't get a dime from them so I don't care who you use but care enough to make an effort to ensre you're a-ok. Ya never know...

Financial fitness is on the up and up! Yay!:)

Comments

Post a Comment

Popular posts from this blog

Ongoing Lessons in Life and BALANCE

Image
Hi My name is Jessica and I’m admittedly diagnosed with  ADHD. Watching my feed it’s like, “right. was there a question? You randomly dress in tutus”  However, I’ve always been more than functional with this, but sometimes, or rather for me, one time, it got to be more than I could bear. It takes a transition to get you to re-think and reassess how you approach things and how you react to changes and issues that come about. This is the longest post ever but here we go... The Background  I’m a middle child.    Middle child syndrome set in long ago and I’m definitely a people pleaser, mediator if you will. I love it and sometimes hate it.    I want to be mediated on once in a while! Can someone sorta let me just BE there and NOT be involved in the resolution? The answer is usually no.   Pressing on, I got married a little young, 23 to be exact and proceeded into full Stepmom (two amazing kiddos), wife, worker, grad student, gym go...
Read more

Divorce diaries

Image
 this will be a shorter sort of rambling entry. It all matters. With my ex and I called it off, I put up a huge wall and that wall translated into every part of the life I have with my daughter. As much as I thought it didn't matter, kindergarten has been kicking my ass. You read that right my ass. All of it. And I have a big one. And why? Because of that damn wall. We weren't talking. So House on the right didn't know what house on the left was dealing with. It was pretty much awful. But I have seen though is my daughter be someone I didn't know she was, and show me that she's 100 times smarter and more clever than I ever gave her a little clever but credit for. So the diary of a divorcee  starts here…this is the lesson. They're smarter than us. So you got to talk. Kindergarten is getting a little better, actually a lot better. Who the heck learns Mandarin and Spanish , before they get there for teeth? And oh gosh the front teeth. That's another entry 😜… B...
Read more

day one...ick

so basically, im a little dissappointed..but ill get to that... i have reached a BLAH state with my workouts and yo-yo weight issues so i decided to try Jay Johnson's bootcamp. I thought, hey, it works for cheerleaders, surely I can hang! I was so nervous!! I went out...spent $225 on the camp and ended up buying new workout clothes and shoes and sweats (geez, you cant just roll into valley ranch looking like trash right?!?!?) and i was ready this morning..queeziness and all...530am..i got there at 520a (10 push ups if you are late!!) and you know what???? it was cancelled! more specifically, no one showed! so im still pretty ticked about it!! i actually am actively trying to reach the caloric goals for each day, so i packed my 4-5 mini meals and im doing ok..i ended up doing some workout at the gym and i ran and such outside with some veterans of the camp before dissapointedly departing the location... lets just say that im overly ready for wednesday and i hope i dont have to get a...
Read more