Yesterday morning my wife and I went to a mortgage lender. It was interesting, strange and a bit nerve-racking to be on the other side of the transaction. I was not very "financially responsible" in my youth. I didn't "save money" or "plan for my future". I didn't want to "get married" or "grow up". I worked in restaurants, went from job to job, cooking and serving. My wife and my career in real estate (which my wife calls my mistress) have given me a reason to grow up, but I felt there was no escaping the shadow that was my credit history. HOWEVER... After yesterday's consultation, I found my past discresions to be less egrigous than my apparently paranoid memory had recalled. What I owe turned out to be minor, and after calling to the companies, offering to pay under the condition that the collection is removed from my permenant record, all is taken care of and my credit is significanly better than before. Point of the story, face your past and your fears, and most of the time, it's just not as bad as we think it is going to be, and sometimes we may just be pleasantly suprised.
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