Yesterday, I scheduled an appointment with a credit counselor. I feel better after having made this first step, and at the same time I am furious with myself for letting it get so far. I know that I need to look forward and concentrate on making things right again, but it is so hard to think about what could have been, had I faced reality and taken charge of our finances.
The questions that were asked of me in the preliminary interview shamed me. I had no solid answers for her, I couldn't tell her what state my financial life is in. I just knew that I needed help. I could only give her a ballpark amount for our income and our debt. I couldn't begin to pinpoint what our monthly expenses are. Probably not a good sign, huh?
This morning I pulled J's credit report and mine as well. I pulled his first because I was terrified to see what mine said. I haven't had a chance to fully review it and I was actually afraid to forward it to him, for fear that it would send him into a panic. I think it's bad, but there is also good credit on there too. I am going to look at it more thoroughly with him later this evening and go about disputing some of the charges, in the hopes that I can get it cleaned up a little bit. Every bit helps, right?Labels: credit report, progress |
So sorry to hear about your financial troubles. Your doing the best thing that you can do in seeking help and moving forward.
Good Luck!
Rachel