Top Ten Surefire Signs You've Got Bad Credit

By
Mortgage and Lending with Cardinal Financial Company, Limited Partnership NMLS 365858

You know you got bad credit if: 

10.  You've seriously considered started all over by buying a new SSN at the flea market.

9.  You've got your bill collectors' phone number saved to your Cell Phone Caller ID.

8.  You pay all your bills by money order.

7.  You're looking for a bank that offers Third Chance Checking.

6.  All of your utilities have been set up in your children's names.

5.  You have a joint account for everything but you've never been married.

4.  You can see your friends caller ID and tell them which bill collector is calling them.

3.  You answer the phone in different accents trying to confuse the bill collectors.

2.  You got turned down by companies who don't do credit checks.

1.  All your references had to change their phone numbers.

I hope you found the humor in that.  As extreme as those cases maybe, there are hundreds if not thousands of people out there who aren't laughing because this hits too close to home.  The truth hurts and no one knows that more than I do.  Bad Credit isn't funny when it's happening to you, I know.  The great news is, you don't have to live with it anymore.  After I'm done with you, you can create your own blog called, "Top Ten Things To Do With Great Credit"!

 Make it a great one!  And laugh a little.  It's good for the soul!

Comments (20)

Sylvie Dolley
My Home Group Real Estate LLC - Litchfield Park, AZ
CHMS, ePRO, SFR Phoenix Arizona Real Estate 602-32

That is pretty funny.

 

Too Bad its true for so many people in this market place now.

I have not been in real estate that long, but I have never seen this many forsale signs that are short sales or forclosures.  Hopefully it will get better soon!

Apr 04, 2008 10:31 AM
Justin Williams
Independent - Virginia Beach, VA
Loan Officer
James - lol that was pretty funny, sad but true!
Apr 04, 2008 10:38 AM
Chuck Carstensen
RE/MAX Results - Elk River, MN
Minnesota/Wisconsin Real Estate Expert
That was funny!  Good creativity!
Apr 04, 2008 10:39 AM
Kenneth Cole
Weichert Realtors Appleseed Group, 2043 Richmond Ave. S.I.N.Y. 10314. office phone 718-698-9797, Appleseedhomes.com... - Staten Island, NY
NYS Licensed Real Estate Salesperson
James, that sounds like a prospective tenant that wants to rent my condo
Apr 04, 2008 10:56 AM
James Jeter
Cardinal Financial Company, Limited Partnership - Carrollton, TX
James Jeter
Thanks for finding the humor in it.  Sadly enough, it's too true for many people.
Apr 07, 2008 02:15 AM
Daniel J. Brudnok, REALTOR
Berkshire Hathaway Home Services Fox & Roach, REALTORS - Exton - PA License #RS-225179-L / Delaware License #RS-0025038 - Downingtown, PA
SRES, e-PRO,ABR,GREEN,CSP

James,

desperate times for desperate people.....if not done by their own volition then I feel sorry for them.

Apr 07, 2008 02:44 AM
James Jeter
Cardinal Financial Company, Limited Partnership - Carrollton, TX
James Jeter
Dan - Sometimes it's due to a lot of things.  Being uneducated, going through a tough time, giving up hope, losing a job, loved one, changing economy...Granted, there are some out there that are purely lazy and could care less about ever paying someone back, but habits can be changed.  New ones can be learned.  It's just the thought of starting over that scares most people.  They just need to know that there's hope.
Apr 08, 2008 03:07 AM
James Jeter
Cardinal Financial Company, Limited Partnership - Carrollton, TX
James Jeter

It's humpday.  If you've been slammed by some bad credit clients and are getting worn down by not being able to get them done, take a break, enjoy a laugh.

May 21, 2008 04:52 AM
Richard Weisser
Richard Weisser Realty - Newnan, GA
Richard Weisser Retired Real Estate Professional

James.

Excellent, this is really funny ... how about adding:

You wrote a $100 earnest money check and it bounced! (Really happened here)

May 21, 2008 08:29 AM
James Jeter
Cardinal Financial Company, Limited Partnership - Carrollton, TX
James Jeter

Richard - That has got to suck!  Sorry about the bouncing earnest money check.  I guess that's why most companies want certified funds!  Thanks for stopping by.

May 21, 2008 09:12 AM
Melody Botting
Broker Associate PenFed Realty - San Antonio, TX
You Deserve The Best

If your DTI makes your momma cry.

May 21, 2008 10:20 AM
James Jeter
Cardinal Financial Company, Limited Partnership - Carrollton, TX
James Jeter

Melody - HAHA!  Where's Option One when you need them!  Here's a new one:

You know your credit's bad when the special finance manager at the new car dealership drives you to the closest buy here/pay here used car lot in town.

May 21, 2008 10:38 AM
Melody Botting
Broker Associate PenFed Realty - San Antonio, TX
You Deserve The Best

First Franklin could also help you out!

No money in the bank?  Let's call First Frank!

May 21, 2008 03:08 PM
James Jeter
Cardinal Financial Company, Limited Partnership - Carrollton, TX
James Jeter

i close many a loan over there.  actually had some decent rates there.

May 21, 2008 05:33 PM
Melody Botting
Broker Associate PenFed Realty - San Antonio, TX
You Deserve The Best

They were good to me 'back in the day'.  I am not in that business any longer. 

May 22, 2008 12:58 AM
James Jeter
Cardinal Financial Company, Limited Partnership - Carrollton, TX
James Jeter

They were good.  Good AE's and peopel over there.  I heard they've gone out of business too.  What areas do you work in now?

May 22, 2008 02:19 AM
Melody Botting
Broker Associate PenFed Realty - San Antonio, TX
You Deserve The Best

I live in The Colony and that is where my office is located.  However, I was born and raised in the (817).  I know the metroplex very well.  I have been known to work Frisco, Lewisville, Little Elm, Plano, North Dallas, and Allen.

May 22, 2008 06:33 AM
James Jeter
Cardinal Financial Company, Limited Partnership - Carrollton, TX
James Jeter

Oh, just north of me!  That's nice to hear!  You going to the Blue Mesa get together on the 30th?

May 22, 2008 06:39 AM
Melody Botting
Broker Associate PenFed Realty - San Antonio, TX
You Deserve The Best

It being a Friday and the last day of the month I doubt I will make it.  You know how it is.

May 22, 2008 06:46 AM
James Jeter
Cardinal Financial Company, Limited Partnership - Carrollton, TX
James Jeter

Yeah.  Didn't even think about that.  Well if you can make it, I look forward to meeting you!

May 22, 2008 08:59 AM