Credit Rating
My credit score is not as bad as I thought. It's not bad or excellent; it's just "fair." But just barely. It's only 10 points greater than the lowest "fair" rating. I think the fact that I got several Sallie Mae loans (student loans) that I've consolidated and have been paying on time (when I was incapacitated, my dad actually paid them, since they were only $40 something a month) really helped boost my credit rating that is marred by a couple of collection agencies and late payments. I think it's still ok that I don't have a credit card right now, since I still have an outstanding debt of around $11,000 student loan that's in deferment. I'm gonna continue paying it as soon as I get out of school since it's really not much of a burden. I was gonna get a Kohl's card, but I decided not to. I'm just really scared about getting a credit card 'cause I'm afraid I'd go crazy again and let interest and late payment fees pile up, like what happened last time. Also, the two medical debts I have that were sent to collection agencies are ambiguously listed as "paid or terminated for default." I think one of them I actually paid in full, but I don't remember. I'm so glad I didn't declare bankruptcy when my dad was telling me to. That would have been a lot worse. I did fuck up my dad's perfect credit history with the private student loan that I didn't pay for months 'cause he co-signed it. But he has a few credit accounts right now that he's paying on time, so that should be restoring his credit. I hope those collection agencies won't suddenly come out of the blue threatening me with a law suit. They won't get anything out of me right now since I'm not working, but I'm afraid that once I get a job, they'll find out, and start threatening me with wage garnishment. But I'd rather focus on the fact that I should be able to get an apartment when I move out on my own.