Tag Archives: mortgages

Checking My Credit Score

worst. jingle. ever.

My father has told me to do it. The advertisement will not stop blaring that my life depends on checking it. Even my dear old landlady has written imploring me to “stay on top of it.” But I have never checked my credit score: I simply to not care. If it’s bad, then I am already screwed, and if it is good, then I will just abuse that new found knowledge. If I took a breathalyzer before leaving a bar and it showed I had room for another beer, I would drink it – that does not make me a better driver. Same goes for my credit score: if I have room to lapse, then I’ll push it. I am driven by uncertainty, and the fact that I do not know is the motivating factor for my general financial prudence. Knowledge is power, unless you are like me. Then anxiety is preeminent.

Anyhow, I cannot fuck up my credit history as much as the rest of these schmucks in America. The average American is holding in excess $4,200 in credit card debt. That is more money than I have ever put on a card. Eleven percent of American’s are behind or past due on their mortgages. I don’t even own car. In ten years I imagine that by the shear fact that I never purchased a McMansion with nothing down, or purchased a plasma TV on installment payments only to renege six months later, will guarantee that I’m better than the vast majority of my fellow citizens.

So, even if I do make a mistake or two, I’ll be fine –America grades on a curve.

Jeff

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