i feel in a rut
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i feel in a rut
| Sat, 10-09-2004 - 5:40pm |
I am a sahm mom and dh is military and currently tdy. We are in debt up to our ears but with him being gone and getting promoted this month, etc, we will be recieving more money every month. But I just wish I could help to pay off our debt. But if I go work (dh doesn't want me to work btw and I am fine with that esp since he is gone) but if I work, then I have to pay a daycare, I have 2 kids, and by the time I paid daycare and gas back and forth to work, that is my paycheck right there. So its just better for me to stay home.
I guess I'm just feeling depressed because I checked my credit score the other day and even though its not bad, it is lower than I thought. Part of the reason its low is because of a divorce I got 4 years ago and being young didn't realize some things and ended up hurting my credit. But it also said another factor into my score is that I haven't applied for credit in over 2 years. That is because we can't afford it. The best way for me to keep us from going further into debt is to not apply for any more credit. That makes me mad. I'm working to keep us from going into bankruptcy and it still ends up costing me. I can't win no matter what I do. OMG!!!
Plus does anyone know how I could dispute something on my credit report? I have something there that I'm not sure about. It hasn't counted against my credit but I don't recognize the account. I might know what it is but anyway, the account needs to be closed cause if its what I think it is then I don't see how there is a balance on it cause I sure ain't paying it. KWIM? If it is what I think it is and it is being used, I'm not using it and can I get it off my report. I'm sure there will be some hassle but its not me. There has to be some way to prove it. Anyway, I just need info on how to dispute. Addresses, phone numbers something. Thanks for letting me vent and for any info.
I guess I'm just feeling depressed because I checked my credit score the other day and even though its not bad, it is lower than I thought. Part of the reason its low is because of a divorce I got 4 years ago and being young didn't realize some things and ended up hurting my credit. But it also said another factor into my score is that I haven't applied for credit in over 2 years. That is because we can't afford it. The best way for me to keep us from going further into debt is to not apply for any more credit. That makes me mad. I'm working to keep us from going into bankruptcy and it still ends up costing me. I can't win no matter what I do. OMG!!!
Plus does anyone know how I could dispute something on my credit report? I have something there that I'm not sure about. It hasn't counted against my credit but I don't recognize the account. I might know what it is but anyway, the account needs to be closed cause if its what I think it is then I don't see how there is a balance on it cause I sure ain't paying it. KWIM? If it is what I think it is and it is being used, I'm not using it and can I get it off my report. I'm sure there will be some hassle but its not me. There has to be some way to prove it. Anyway, I just need info on how to dispute. Addresses, phone numbers something. Thanks for letting me vent and for any info.

I understand the feeling completely about wanting to work to help out but realizing that it would cost you more to work than not work.
Becky
CL of 4th, 5th & 6th grade Scoliosis
kel
Hugs mattsgirl.