Unfortunately (or maybe fortunately, depending on how you feel about seeing my mug via vlog), I’m not vlogging this one. It probably will not provide many (if any) lulz. It might even piss a few people off. So, consider yourself fairly warned.
Our credit scores are not rad. They’re better than they used to be, but we’re not in that magic area of “Please, let us loan you money!!” yet. I don’t foresee this changing anytime soon, as neither of us are currently employed. Creditors seem to think a job is necessary. Weird.
Someone we know, however, is in the magic area of “Loan you money?? Fo’ shizzle!” (Lots of folks we know are in this magic category actually, but we won’t go into that. I actually have a point here.) This person has a bankruptcy on their credit report. Now, hold on. How does someone with a frelling bankruptcy have a better credit score than me or Bill?
Sure, we’ve had some issues in the past, but we’ve worked on them. We’re still working on some of them. We never once said, “Fuggit. Let’s throw in the towel on our debt.” We wanted to, oh, how we’ve wanted to, but both of us decided to clean up our own messes, even though it would take forever.
So why does someone who said, “Whooooops! I got in over my head” wind up with a better credit score? Because they get thrown in the pool with the other folks who declared bankruptcy while Bill and I (and folks like us) are treading water with the rest of the folks who chose to pay their bills. Doesn’t seem quite fair, does it?
Don’t get me wrong – I’m not going to pass judgment on people who’ve declared bankruptcy (well, maybe a little), but I think it’s wicked wrong that they’re getting the “perk” of a decent credit score after they’ve already gotten a “Get Out of Bills Free” card.
Let the flaming begin.
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