Calories, House, Stress, oh my!
I have been under the most intense amount of stress imaginable the last couple days. Capital One decided that my mom's credit card debit needed to show up on my credit score. I called to find out "why" and how I could remove myself. The following conversation ensued.
CSR: Account number please.
ME: I don't have one. I have two accounts showing up on my credit report that aren't mine, I want to know why.
CSR: Oh, that's very odd. SSN, please?
ME: (I give her the number, she looks it up, comes up with my mom's accounts)
CSR: Well I see two delinquent accounts here.
ME: Right, not mine. My mothers. I haven't been on that account since August of 2005.
CSR: Oh, I see that. Well, there's nothing we can do about that.
ME: No, there IS something. Send me a letter saying I am not responsible to pay this account off so I can get on with my life.
CSR: Well, I'm not authorized to send that letter.
ME: Why not?
CSR: Because you aren't the primary account holder.
ME: So, you're telling me I'm on as an authorized user. Fine. Send me these cards so that I can spend money on the account then.
CSR: No, we can't do that, because you're no longer a valid user.
ME: Okay, so I'm no longer a valid user but I'm responsible to make payments?
CSR: No, you are not responsible to make payments.
ME: .... then why is this showing up on my credit report?
CSR: Because you're on as an authorized user.
ME: But you just said I couldn't use this account nor am I responsible to make payments.
CSR: Yes, that's correct.
ME: Ok, so send me a letter saying that exact same thing.
CSR: We can't do that, because you're not the primary account holder.
Uh huh. This went on and on. I finally told her fine, I would find a way to contact my mother and have her call them. Called mom, she called them, they issued me a letter. Only, instead of doing so for both accounts, they only did it for one. She had to call BACK this morning to get the second letter issued.
So, then the cashier's check expired (didn't realize that, deposited it, bank called me last night). Our escrow check went out yesterday. I'm having to scrape together enough money so that our 2grand escrow check won't bounce. My hair started falling out little by little. Top that off with a printer taking a crap on us, having to buy a new one (spending money = bad), my windshield being cracked (and I'm highly obsessive over getting it fixed when we have the money) and being on a diet (erego unable to stress-eat and still watching myself GAIN pounds while AF is in town); I have not been a happy camper.
Meanwhile, my calorie counts have stayed low. I didn't log yesterday, I threw up most everything I ate and figured that was my freebie for the week.
01/02 I had 976 calories.
01/03 I had 899 calories.
01/04 I had 1,182 calories.
01/05 I didn't log.
Thussofar today I've had about 130, maybe 150 calories. I haven't figured out how exactly, but I had roughly 4 bites of waffle with cream cheese and peanut butter. I need to start drinking water again.. I've been slacking on that.
Anyway, that's my story. Oh, and escrow closes on the 29th!
CSR: Account number please.
ME: I don't have one. I have two accounts showing up on my credit report that aren't mine, I want to know why.
CSR: Oh, that's very odd. SSN, please?
ME: (I give her the number, she looks it up, comes up with my mom's accounts)
CSR: Well I see two delinquent accounts here.
ME: Right, not mine. My mothers. I haven't been on that account since August of 2005.
CSR: Oh, I see that. Well, there's nothing we can do about that.
ME: No, there IS something. Send me a letter saying I am not responsible to pay this account off so I can get on with my life.
CSR: Well, I'm not authorized to send that letter.
ME: Why not?
CSR: Because you aren't the primary account holder.
ME: So, you're telling me I'm on as an authorized user. Fine. Send me these cards so that I can spend money on the account then.
CSR: No, we can't do that, because you're no longer a valid user.
ME: Okay, so I'm no longer a valid user but I'm responsible to make payments?
CSR: No, you are not responsible to make payments.
ME: .... then why is this showing up on my credit report?
CSR: Because you're on as an authorized user.
ME: But you just said I couldn't use this account nor am I responsible to make payments.
CSR: Yes, that's correct.
ME: Ok, so send me a letter saying that exact same thing.
CSR: We can't do that, because you're not the primary account holder.
Uh huh. This went on and on. I finally told her fine, I would find a way to contact my mother and have her call them. Called mom, she called them, they issued me a letter. Only, instead of doing so for both accounts, they only did it for one. She had to call BACK this morning to get the second letter issued.
So, then the cashier's check expired (didn't realize that, deposited it, bank called me last night). Our escrow check went out yesterday. I'm having to scrape together enough money so that our 2grand escrow check won't bounce. My hair started falling out little by little. Top that off with a printer taking a crap on us, having to buy a new one (spending money = bad), my windshield being cracked (and I'm highly obsessive over getting it fixed when we have the money) and being on a diet (erego unable to stress-eat and still watching myself GAIN pounds while AF is in town); I have not been a happy camper.
Meanwhile, my calorie counts have stayed low. I didn't log yesterday, I threw up most everything I ate and figured that was my freebie for the week.
01/02 I had 976 calories.
01/03 I had 899 calories.
01/04 I had 1,182 calories.
01/05 I didn't log.
Thussofar today I've had about 130, maybe 150 calories. I haven't figured out how exactly, but I had roughly 4 bites of waffle with cream cheese and peanut butter. I need to start drinking water again.. I've been slacking on that.
Anyway, that's my story. Oh, and escrow closes on the 29th!