It was pointed out to me these last few days that I have not posted in quite a while. Something that I was aware of, I have been very busy. I have been meaning to write something but so much had been going on that I don't know which topic I should touch base on first. Building a fence and getting a permit, good old Minnesota weather, my personal journey to good health, the day at the zoo or the joys of trying to refinance. I think I will go with complaining about trying to refinance our house and what a colossal failure that was.
Apparently, there is not a real good reason to have a great credit score anymore. (After all this, I do not see why they just don't throw it right out the window.) So we were told that we can't refinance our loan because I have only been at my job for four months after not working for over a year. I get what they are saying, truly I do. HOWEVER, in the last four years that we've been in our house, we've never even had a late payment. So, how is it that we would start missing payments when the payment goes down? Sometimes I just wish COMMON SENSE ruled over guidelines.
Why do we even have the credit score and debt to your name system, if they aren't going to use it. Wasn't that whole system designed to be able to tell who is financially responsible??? I mean, I understand you want to give money to the people who make big bucks, but that isn't any more of a guarantee they will pay you back. What has been the point of not having debt and having a really good credit score if it isn't going to help me? No wonder people don't care if they are late on stuff and ruin their credit. It doesn't seem to help you anymore.
It's just so frustrating that they can't see I am trying to prevent late payments, or ruining our credit scores because apparently I can only get help from all these lenders if we are really behind or going into foreclosure. Umm, golly gee whiz that is exactly what I am trying to AVOID!
