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Reply #74: In fact, it was one of the things that spurred me to start investigating [View All]

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Lisa0825 Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Sep-06-06 10:43 AM
Response to Reply #68
74. In fact, it was one of the things that spurred me to start investigating
credit repair. I was starting to look at other employment opportunities because there were rumors of layoffs within my company (thank goodness it didn't materialize). Until that point, I was satisfied that my credit problems would eventually roll off my credit report. But when I looked at job ads for my own personal job search and saw statements about credit checks being required for HR jobs, it scared me. So, I did my research, bought books, and started figuring out how to clean it up. My scores are up about 20 points from where I started so far, and I should be able to raise them another 10 points or more by spring, which will put me squarely in the "A" range for a refinance.
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  -What happens if you stop paying your credit card bills? Orrex  Sep-05-06 12:53 PM   #0 
  - They can screw up your credit for years  1gobluedem   Sep-05-06 12:55 PM   #1 
  - Well, like I said, I'm not recommending it  Orrex   Sep-05-06 12:56 PM   #2 
     - go watch Fight Club again  Ravenseye   Sep-06-06 09:45 AM   #65 
        - Heh. See reply #11 (nt)  Orrex   Sep-06-06 10:16 AM   #69 
  - well, they closed all the debtor's prisons, but they'll still sue you  MrCoffee   Sep-05-06 01:01 PM   #3 
  - Again, I'm not recommending it  Orrex   Sep-05-06 01:05 PM   # 
  - yes it's an unsecured loan, but that won't stop them from...  MrCoffee   Sep-05-06 01:07 PM   #7 
  - Jeez--I'm starting to dislike Fight Club less and less  Orrex   Sep-05-06 01:10 PM   #11 
  - I think under the new bankruptcy laws...  PassingFair   Sep-05-06 09:10 PM   #52 
  - They can actually go in and clean out your bank account  China_cat   Sep-06-06 10:09 AM   #67 
     - Depends on the state laws.  Lisa0825   Sep-09-06 01:57 PM   #92 
  - I'm actually kind of surprised they haven't re-opened the debtor's prisons  anarch   Sep-05-06 01:07 PM   #6 
     - they have reopened, they're called "minimum wage jobs"  MrCoffee   Sep-05-06 01:08 PM   #9 
     - yeah, but you didn't used to have to pay rent at the debtor's prison  anarch   Sep-05-06 01:10 PM   #12 
        - hell yes they would.  MrCoffee   Sep-05-06 01:14 PM   #17 
        - they were called workhouses  datasuspect   Sep-06-06 09:21 AM   #60 
        - As a matter of fact, some of them required the inmates pay for their food  sarge43   Sep-05-06 02:59 PM   #31 
     - In Illinois, several hospitals were ordered to stop using  mycritters2   Sep-05-06 01:14 PM   #18 
  - basically, you become an un-person  anarch   Sep-05-06 01:05 PM   #4 
  - Whew! Is that all?  Orrex   Sep-05-06 01:06 PM   #5 
  - well, that and a law-suit  anarch   Sep-05-06 01:08 PM   #8 
  - Don't forget higher health insurance, car insurance and homeowners  Debi   Sep-05-06 01:13 PM   #15 
  - And in some cases, will cause  SOteric   Sep-05-06 04:46 PM   #41 
  - Yep - just kills ya! n/t  Debi   Sep-05-06 06:27 PM   #47 
  - what if you have a county welfare card for medical  datasuspect   Sep-06-06 09:23 AM   #61 
  - "lowest paying or most back-breaking job"  datasuspect   Sep-06-06 09:12 AM   #56 
  - That's not exactly right  bearfan454   Sep-09-06 02:59 PM   #95 
  - Bug the debtor for a long time, then sue him or her and...  Deep13   Sep-05-06 01:09 PM   #10 
  - Joe Biden doesn't get reelected?  Debi   Sep-05-06 01:11 PM   #13 
  - I see you live in PA. I am not a lawyer, but my understanding of  Bunny   Sep-05-06 01:12 PM   #14 
  - Just for that...  Orrex   Sep-05-06 01:13 PM   #16 
     - Thanks. I am against the death penalty, but I could be persuaded  Bunny   Sep-05-06 01:15 PM   #19 
        - Clearly you protest too much  Orrex   Sep-05-06 01:27 PM   #20 
  - Here's how the process goes:  Rabrrrrrr   Sep-05-06 02:01 PM   #21 
  - That's pretty much what I've seen to  W_HAMILTON   Sep-05-06 03:01 PM   #32 
  - Not for life.... 7 years, tops. (other than bankruptcy)  Lisa0825   Sep-05-06 03:12 PM   #35 
     - Ahh, ok  W_HAMILTON   Sep-05-06 03:19 PM   #36 
  - What about the estate?  Hangingon   Sep-06-06 09:09 AM   #55 
  - Can he incorporate?  Orrex   Sep-06-06 02:29 PM   #78 
  - I'm no lawyer, but I would assume (and note that word) that since  Rabrrrrrr   Sep-06-06 04:23 PM   #83 
  - You are exactly right Rabrrrrrr  bearfan454   Sep-09-06 03:04 PM   #96 
  - I stopped paying mine 2 weeks ago  MissMillie   Sep-05-06 02:10 PM   #22 
  - Well, now I have to hate you  Orrex   Sep-05-06 02:13 PM   #23 
     - don't hate me because I'm beautiful....  MissMillie   Sep-05-06 02:16 PM   #25 
        - Can I borrow your son?  Orrex   Sep-05-06 02:43 PM   #26 
  - They can't shave your head and send you to Iraq  catmandu57   Sep-05-06 02:15 PM   #24 
  - And the military doesn't want people with debt and bad credit  celtdem   Sep-09-06 02:06 PM   #93 
  - I've had one that left a message on my machine  kskiska   Sep-09-06 02:46 PM   #94 
  - In the wake of this discussion...  Orrex   Sep-05-06 02:47 PM   #27 
  - Be VERY careful with services like those....  Lisa0825   Sep-05-06 03:04 PM   #34 
  - Consumer Credit Counseling Service is the only one that is  Bunny   Sep-05-06 04:12 PM   #37 
  - It STILL makes your credit WORSE.  Lisa0825   Sep-05-06 05:33 PM   #44 
     - That was not my experience  MissMillie   Sep-06-06 08:41 AM   #54 
  - start watching the Suze Orman show on CNBC on Sat nights  LSK   Sep-05-06 04:48 PM   #42 
  - My best friend has been avoiding hers for awhile now  RumpusCat   Sep-05-06 02:48 PM   #28 
  - What is this about being forced to accept "crap-tacular" jobs?  W_HAMILTON   Sep-05-06 02:51 PM   #29 
  - Many jobs perform credit checks to see if you're hire-worthy  Orrex   Sep-05-06 02:55 PM   #30 
  - where can I find more info on this? i'm half way through a Chap. 13  AZDemDist6   Sep-06-06 09:44 AM   #64 
     - Background Checks and Your Credit Record  Karenca   Sep-06-06 10:30 AM   #72 
        - thanks!  AZDemDist6   Sep-06-06 02:07 PM   #75 
  - Our cable company did a credit check to see  China_cat   Sep-06-06 10:18 AM   #70 
  - I basically did that about 5 years ago....  Lisa0825   Sep-05-06 03:02 PM   #33 
  - thanks for the insights  Blue_Tires   Sep-05-06 05:38 PM   #46 
  - If you're willing to live with bad credit  Radical Activist   Sep-05-06 04:17 PM   #38 
  - I'm curious about something similar..  mad-mommy   Sep-05-06 04:27 PM   #39 
  - I think they resurrect you and put you to work in the salt mines  Orrex   Sep-05-06 04:30 PM   #40 
  - just file a bankruptcy  judaspriestess   Sep-05-06 04:49 PM   #43 
  - There's a lot more to it than that....  Lisa0825   Sep-05-06 05:37 PM   #45 
  - I just went through the "counseling" now required.  judaspriestess   Sep-05-06 08:29 PM   #49 
     - Yep, exactly why I was warning against debt consolidation and CCCS.  Lisa0825   Sep-05-06 10:16 PM   #53 
  - Actually, a lot of mortgage companies  mountainvue   Sep-09-06 01:08 PM   #91 
  - You can claim you lost your memory and they cancel the debt.  A-Schwarzenegger   Sep-05-06 08:05 PM   #48 
  - What are you replying to? It's all a blur  Orrex   Sep-06-06 10:36 AM   #73 
  - Nuttin'  qwertyMike   Sep-05-06 08:54 PM   #50 
  - Read this site for more info:  ChoralScholar   Sep-05-06 09:02 PM   #51 
  - Exponential Debt.  philosophie_en_rose   Sep-06-06 09:15 AM   #57 
  - the terrorists win  leftofthedial   Sep-06-06 09:16 AM   #58 
  - move to texas  datasuspect   Sep-06-06 09:18 AM   #59 
  - You are mostly correct.... except about employment....  Lisa0825   Sep-06-06 09:26 AM   #62 
  - it is standard practice in background checks  datasuspect   Sep-06-06 09:29 AM   #63 
     - Not just cushy execs  Lisa0825   Sep-06-06 10:07 AM   #66 
        - Any guess as to the justification for it?  Orrex   Sep-06-06 10:15 AM   #68 
           - I guess they just figure it says some general things about the person...  Lisa0825   Sep-06-06 10:28 AM   #71 
           - In fact, it was one of the things that spurred me to start investigating  Lisa0825   Sep-06-06 10:43 AM   #74 
  - You are so right nt  bearfan454   Sep-09-06 03:39 PM   #97 
  - Bad credit can change your life  Karenca   Sep-06-06 02:23 PM   #76 
  - Christ almighty  Orrex   Sep-06-06 02:26 PM   #77 
  - Doesn't stay on your record forever.  ronnykmarshall   Sep-06-06 02:36 PM   #80 
     - It sort of does in a way  Karenca   Sep-06-06 03:04 PM   #82 
        - That's for bankruptcies,judgements, and liens, public records, I believe.  Lisa0825   Sep-07-06 08:13 AM   #84 
           - Nope, It was for a citicank visa credit card that  Karenca   Sep-08-06 08:21 AM   #87 
              - My mistake, but your own post said...  Lisa0825   Sep-08-06 11:47 AM   #89 
  - They can take you to court and garnish your wages  noonwitch   Sep-06-06 02:36 PM   #79 
  - Sure, when that's possible  Orrex   Sep-06-06 02:40 PM   #81 
  - If you think it's that easy, you haven't really "been there." nt  Lisa0825   Sep-07-06 08:15 AM   #85 
  - from a collector's standpoint  LittleFoot   Sep-07-06 05:16 PM   #86 
  - Welcome to DU!  Lisa0825   Sep-08-06 11:44 AM   #88 
  - ttt  Blue_Tires   Sep-09-06 12:45 PM   #90 

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