credit credit credit

[simplyn2deep]

Yesterday I decided to check my credit report and was pleased to find that the only things I had on there were my student loans and credit card!

All the delinquent crap from when I used to mail order stuff was gone! Thank god!

There have been a few inquiries to my credit, but none of them mess with my credit score.

The next thing I have to do it so check what my actual score is and work on improving it. Last year it was pretty low and if I were to have gone to my bank for a loan, the interest rate would have been ridiculously high. Now it's sort of a moot point since I'll be out of a job at the end of the year and what money I will have will only be used to paying my bills. I'll have about a 9 month cushion (3 month severance pay from job, 6 months worth of financial aid money), after that I will need to have a job.

Movie night at the church in a couple of hours. Oh, yeah and I have homework to do. Yesterday I just stared at the open document for 15 mins before saying to hell with it, closing it and watching Alasaka Troopers on netflix. I can't procrastinate anymore. The assignment is due Monday at 12:30 pm.

Comments

[dontelltheelf.livejournal.com]

That's awesome! Congrats. I still have a feeling that if I got a credit card, I'd be so incredibly in debt.

What movie did you watch at Movie Night?

[simplyn2deep.livejournal.com]

Oh my credit card is maxed out lol I'll be paying on it from now until forever, but as long as I keep paying on it and don't miss any payments, it'll help my credit.

And my student loan...well that's going to be deferred again since I'll be out of a job at the end of the year. I have until like July of next year for when deferment ends, but I'm hoping to have a job so that I can start making payments on that (and save up to move out and/or get my own car)

The movie that we watched was Hocus Pocus. I thought I hadn't seen it all the way through, but as I watched, I started to remember more and realized that last Halloween or the year before, I watched it.

[dontelltheelf.livejournal.com]

Yeah, at least you're building the credit. Even if it'll take your next three lifetimes to pay everything off. And your student loans... at least I never did that. Whenever I go back to school, I'm sure I'll probably end up getting one. Blah.

Oh, I haven't seen that movie in years! But I love it haha I wonder whatever happened to Omri Katz? lol

[simplyn2deep.livejournal.com]

I just looked him up. According to wikipedia, he's retired - his last movie was in 2006

[dontelltheelf.livejournal.com]

I know. I looked him up before I posted that. But I don't really care all that much where he is now.

[wanderlustlover]

YAY! Isn't it wonderful?

[simplyn2deep.livejournal.com]

Yes. Ultimately I'd like to be able to use this "good credit" to my advantage, but without a job to help me along, it's like moving at a snail's or sloth's pace to get anything done.