nismoZtuner wrote:what does your credit score look like and history?
My scores are as follows:
I had flawless credit from 1996-2005 (790 Fico average) then in 2005 my wife lost her job and my mother did too when she was diagnosed with Acute Lymphoblactic Luekemia. All financial responsibilities fell on my income alone, and I had a dozen missed or late payments with 2-3 major creditors. By 2008 we became debt free! I made sure I paid in full everyone I owed (read: no settlements), unfortunately I had 1 CC write me off! Was is my Chase with 11,500.00 owed? No, was it my BofA with 10,000.00 owed? No again, was it my Zales store card with 2,000.00 owed? No one more time! Well it was my tiny little CapOne card that wrote off a little baby mastercard for a grand total of 480.00!!! I was amazed, I had missed 4 months and called before the 5th month was up to schedule the payment arrangement, on the 5th month they debited my checking account and wrote off the rest, sold it to collections, and ignored any further contact with me after that point. Now I understand it was my fault for not properly planning for an emergency situation or reaching out to them before 4 months but frankly I thought I could "get it together" beforehand and spare the embarrassing conversation I had to have. I do still wish they hadn't wrote me off AFTER we made a payment arrangement. So there it is, I've paid off all debts and been late or missed free since 2008.