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Posts posted by Mightore

    • Set mini goals, none of this happens overnight. My ultimate goal is to stay and be debt free less a mortgage.
    • You can’t be made to feel inferior without your consent. Your credit score is not you.
    • Knowledge is power! CA’s are concerned about the informed consumer. Moreover, comprehensive didactic message boards such as this concern them. I would recommend visiting a debt collector’s board or two. Know thy adversary- you won’t need to read long. :twisted:
    • Guard your land line phone number as you would your family jewels. Never, ever talk to a CA. If you somehow find yourself goat roped into speaking w/them, have a technique to control the conversation and its ending.
    • Keeping your credit separate from your spouse/significant other (to the extent possible), albeit by chance or design, is a good thing.
    • I learned to live without credit. There is an empowering goldmine at the end of the tunnel. That being freedom from a life of financial servitude and disposable income in your pocket. If I don’t have the cash I can’t afford it. Ask yourself, should the financial bottom fall out can I survive? Two major hurricanes within 10 months, the world stopped and I lived in the stone-age. I survived. You can too!
    • My credit scores suck and I don’t care :lol: Actually, I do care but I can live with it because I can live without it.
    • Sometimes it is better to let a sleeping dog lay.
    • Organize yourself, save and document everything, correspond in writing if you must.
    • I still have much to learn that is why I am here. My next goal is to clean up my CR’s. The dogs have overslept on every alleged debt.

    ~ He who borrows sells his freedom ~

  1. Hello all: My first post everyone I have been lurking for awhile. Learning alot of the nuts and bolts to compliment what I thought I already knew:roll: I appreciate this site and all that care and contribute.

    Forward to Americredit...yep had heartburn w/them. Phone never stopped ringing at home or work, total disregard. My marriage with them, their CA's and JDB is past the SOL as of last month. Americredit was worse than ANY CA/JDB I ever had to deal with.

    Here may be a helpful link to most on this board just query the company you may be having problems with chances are you won't be alone + there is alot of useful info. Know thy enemy:twisted: another BBB acronym http://badbusinessbureau.com/

    ~He who borrows sells his freedom~