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What Am I Worth?

He insisted on taking over our financial planning, and on being responsible for the bills. Within three years, my credit was trashed. When creditors started calling me at work because the bills weren't being paid, despite the fact that we were both making good money and our checking account balance was always adequate to meet our needs, I started looking over his shoulder.

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.


( 5 comments — Leave a comment )
Sep. 23rd, 2003 12:30 pm (UTC)
You're shallow.

See, I can follow instructions.

Congrats on the progress... I'm looking forward to recovering from my recent financial issues. So it's good to see that it can be done. :)
Sep. 23rd, 2003 01:23 pm (UTC)
Good boy!! Next time I see you I'll rub your belly and give you a cookie!
Sep. 23rd, 2003 01:58 pm (UTC)
If you rub the fireman's helmet, he spits in your hand.
Sep. 23rd, 2003 08:30 pm (UTC)
I have heard this, mostly from firemen. But I understand neither the causal relationship nor the motivation behind such an action.

I guess I'll just stick to sex. Something I understand.
Sep. 23rd, 2003 09:18 pm (UTC)
That is *excellent* news.

It's going to take me years to climb out of the mess from the collapse of my marriage. A large part of it was my fault, but it's amazing how didfferently I handle things now.
( 5 comments — Leave a comment )