Double Yellow's Company Driver to Independent Thread

Oooh! Goody! A derailment ! My turn!

When I came here 11 years ago, I was basically considered a 16 year old kid. They called it "thin credit file".

I had no DMV record, good or bad, no credit good or bad - nothing.

So, I started from the bottom. Secured $500 credit card, for 1 year. Small unsecured credit card from there. Took advantage of 'predatory lending', with a substantial cash downpayment in 2006 or 2007 to buy $38,000 house. Paid it off in 13 months. Bought another . . . then another.

Grew credit score to 800 in a few years and maintained it. So what, you say. I say - great country - anybody can do it. Had I been born here, not so sure. Maybe a few foolish mistakes of youth would have had me posting threads on here about "Who will take me with a drug felony or DUI?" Don't know - parallel universe stuff.

When screening tenants for the rentals, we learned a lot. Tenants are often renting because they can't afford or qualify to buy. The ones with good credit moved on after a year because they had saved to buy a house. The ones with bad credit, if you rang their employer, friends, pastor - often turned out to be great tenants. Some like @Cranky Yankee had had their credit decimated by medical bills. Some had simply struggled for years raising children responsibly and working minimum wage or average jobs. We found it best to take an overall snapshot rather than figures alone.

The worst ones were two who owned a diner in town - nice looking place, turned out to be the trashiest M.F'ers you evr came across. Unloaded 3 pickup trucks worth of garbage from the house when they finally left, owing us 2 months rent. I never ate there - or recommended the place.

 

Let's try this again(last post got deleted)

Hey Blair, where are you from originally?

Ps. Mr or ms moderator, while it was absolutely juvenile, the nick name I used for blair was in no way shape or form hostile or inflammatory. If you read back through the thread you will see the intent was good fun. Either way, I will not use it again, I just want to be clear so you don't think I was picking a fight with him.

 

Anybody else feel like your watching the movie "Groundhog Day"?

 

Stupid phone.

 

LOL, I understand completely spyder, I have more screwed up posts on here from my tablet when I'm on the road than I can count!

 

New Zealand. Yes, the phone is frustrating. No, the nickname wasn't that humorous. Yes - another lesson that if you recieve charity, you're liable to regret it.

Loved Groundhog Day.

@double yellow - come and save your thread, the hijackers are off course now!

 

Well I apologize. When you told us the story, I assumed you thought it was funny or you wouldn't of shared it.

 

Is that paying it in full? Or with payments?

I've had good credit and bad credit and it never seemed to affect my rates year to year.

 

Mostly true. I'd beg to differ that it's because government employees tend to have much greater job security and benefit packages. Government always grows, and since they're not sensitive to profits, the sky's the limit when it comes to compensation packages for employees. No such thing as worrying about loss. Revenue shortfall? Let's have a vote and find some more revenue. Ask my wife why she's been employed by or contracted to municipal governments for her 30 yr career and that will be the first thing mentioned.

So enough of that boring stuff. How's the truck doing, now that you've had it out for a couple days?