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Argh, I'm so confused!

January 2nd, 2007 at 05:07 am

Okay, I've been reading about credit stuff and still am confused. I got a copy of the standard DV letter but am not sure just when to use it. I don't know if I should just ignore the ones that will be rolling off before long or pay the bloomin' things!

In August, I will have money to pay off some debts so I wonder if I should just pay them them.

I understand that from a moral standpoint, the debts should be paid and I am good with that but I don't want to cause myself damage in the long run by paying off something that might be best left alone.

Ahhh, the thrills and joys of bad credit!

Speaking of bad credit, as I said I didn't pay the $8 to get my score but I did use the credit score compass at:

http://www.credit.com/landing_pages/compass/

to get an estimate. It's bad, very bad. The estimate is ... 495-535. Gulp!

Please, don't hate me because I'm a credit risk!

4 Responses to “Argh, I'm so confused!”

  1. marymara Says:
    1167745892

    Hi Argh...........don't feel too bad. My credit is tanked! I co-signed for one of my son's cars and he didn't make the first few payments on time and a few of my medical bills are on my credit report. So..............get ready..............tada!! Meet Mr. FICO..........600!!!!!

  2. denisentexas Says:
    1167747492

    Well, I know others are in as bad shape or worse than I am so I don't feel as bad as I would if I were the only one. I just want to figure out what to do to make it better but so far I'm just more confused!

  3. nance Says:
    1167778752

    Do you listen to Dave Ramsey on the radio? He deals with this kind of thing all the time. He gives some good advise.

  4. denisentexas Says:
    1167866128

    Nance, I haven't listened to Dave in a long time since we can't get radio where we are. I'll see if I can listen from his website, though. Thanks!

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