I sucked up enough courage yesterday to do the one thing I dread more than any other adulting thing; checked www.annualcreditreport.com. For some reason Transunion was unable to process the request, but Experian and Equifax came through. I also checked creditkarma.com for the first time in over a year (hello, head in sand much?) because that's based on Transunion reporting so I can get a fair idea of what's up from that. Feeling slightly buoyed, I also checked my FICO score at discover.com (a free service if you have a Discover card/account.)
And things aren't great BUT they're not horrible, either. I knew we had some medical bills* hit the report in the last two years, and was really afraid that it was going to be worse than it was, which explains why I stuck my head in the sand. Not much by way of explanation, but it's what I do. :\ SO, if you're like me, and know your credit is jacked, just go do it. It's the only way you're going to be able to improve anything. (Check out creditboards.com for incredibly helpful advice from the community there on how to improve things, btw. And both of those sites are the actual, real, honest-to-god legit free sites.)
So anyway, I found out that if we need to buy a new house in the next year and a half, we'll be able to. (I've been on the verge of a nervous breakdown every time Uncle Kim mentions that he wants to transfer.) And, for some reason I've had it in my head that we have a 15year mortgage on our current home, but was pleasantly reminded that it's a 10 year, and we're halfway through!
Next up: Pap smear? Going into the shed? Cleaning my closet? The sky is the limit!
*Seriously, how messed up is this: I had a series of B12 shots after I was diagnosed with transverse myelitis, and when my doctor's office didn't require a co-pay for the visits, I just assumed they were covered for whatever reason. I never received a bill for them, so yk, you'd assume the same, right? I mean, great insurance FTW. WRONG. The hospital where the office was located was apparently undergoing an IT upgrade at that time, and they lost a ton of records. Then when they "found" them, they sent them straight to collections. (one of my best friends worked in the office at the time, I wasn't the only one this happened to.) So get this; I have no less than 4 separate collections accounts for $11 each. ELEVEN DOLLARS. And there's one for ONE DOLLAR. Four motherfucking quarters. Unreal. And I've dealt with the collection agency owner before and he's... not likely to give a damn. I mean, yk, collections agency. And when you pay a collection account, contrary to public belief, your score doesn't really improve. Because basically you still look like a schmuck who didn't pay a bill to the original creditor. Blergh.