Some bills had large credit balances (they had been paid more than once monthly) while others were long past due. He had no system to tell him when things were due or how much he had paid on a given bill last month. He would pay things electronically and not record payments and not detach the pay stub, so he had no record of having paid something.
When we split up, he didn't have a job (hadn't had one for nearly a year) so I gave him my car because it was already paid off. I took the truck, which would be more useful to me. The credit union told him that I could just open a new account and transfer the loan to the new account in only my name. They lied. When I went down there this past February, they told me I would have to reapply for this loan. I filled in the paperwork and was turned down because my credit was not good enough. This was cause for much bitter fuming on my part.
Well, a couple of weeks ago, I got a credit card offer in the mail. It was for a Working Assets card, and I like Working Assets. I have my long distance and my cell phone through them and they've always been very good to me. The rate was good, the interest was good, it all looked good. I decided to apply. The worst they could do was confirm what the credit union told me - my credit sucks and they'd rather not risk it. I was totally prepared for that news.
I applied over the phone. When you do this, you have the option of receiving an answer immediately and if you qualify, being told what your credit limit will be. I gave them my application and not only did they approve me, the woman I spoke to told me my credit was "great," and they gave me an obscene credit limit. I was, and still am, in shock. The cards came last night, and the credit limit is even higher than the astronomical figure I was originally given.
Okay, I know that it's only money. I know that these people don't know anything about what kind of person I am or the kinds of choices I make that are not financial. I've never particularly valued stuff more than, say, family or friends. But I just have to say that it feels really damn good to know that all the hard work I've put into getting back on track financially has been recognized.
Oh well. Call me shallow.