My FICO score went down more than 120 points over two missed payments (that I didn’t know I missed as the bill said zero balance) of—-$4.95 a month. Yes this is all over $9.90–with fees and everything else, it came to $30.
I found this out because of an alert from Credit Karma. The credit card company I owed this money to never sent me a late notice. According to a woman at the bank because I have paperless banking technically they don’t have to send me late notices.
When I said that made no sense to me she backtracked and said that $9.90 was an absurd amount to make an account delinquent over. But algorithms. Though I would think that an algorithm would show that the $30 it ended up costing is less than .000001% of my total credit (what that has to do with anything I don’t know but I know it means something), and that my payment history is “excellent,” as was my credit until last night. (I made–.000001% up as I’m too angry to figure it out precisely).
There are few things I do “perfectly.” Paying bills on time has always been one of them. In the past 30 years, I have never, until now, even been ten days late with a payment.
Since all my bills have been paid on the computer I have paid them as soon as they leave “pending.” It’s just easier.
I really would have paid the bill had it showed up on the computer, or more likely I would have contacted the company and had it taken off since I no longer use Pandora. I thought that I had. Deep breath (or as deep as I can do it). Don’t beat myself up for not being perfect. But this all should have been so easy.
It was a hard winter for many reasons. Having bronchitis that refused to go away was a big part of that. For the past couple of years I have been getting it too often, and constantly lose my breath when walking.
Walking has always been one of my biggest pleasures in life. It used to define me. I walked ten miles a day before people dreamed of a Fitbit life.
People tell me that I should walk. That I would like it. They have no idea….
I could and did walk forever. A vacation was an excuse to walk all day. I’ve walked my way through many cities.
This problem’s been going on for too long and my search for answers seems to be never ending. There are a few things that are confusing doctors. I won’t go into them now.
Realizing that I basically couldn’t see was another big thing. Having the eye operations was the fun part of winter. I had the operations in the midst of my bronchial problems because I wanted to do something that I was 99% sure would have a conclusion. A good conclusion.
Meanwhile I’m still having tests to find out why I lose my breath when I walk. Yesterday was the CAT Scan.
I haven’t been able to write for a long time and had convinced myself that I lost all my talent. This winter I realized that without writing daily, without having a blog or blogs that mean something to others, I have no identity. Though I had no desire to chronicle my life or politics or disability.
I convinced myself that in the past 20 years I have personal essayed myself out of any personal essay stories. I had no desire to write anything that requires research because the thing I love most in life–reading has become difficult for me.
My eyes get too tired. They’re too tired to stay on the computer for long. I have lost my love of Facebook, of anything computer related. And can’t read books in print because there seems to be a gauze between me and the books. I’m told I haven’t given my eyes enough time to adjust. But I need to read. Read, not listen to books.
I didn’t have the type of surgery that would give me close vision also, not because I found it too pricey but because with my eye problems, I would still need reading glasses after a year or so–and maybe even now. The type of astigmatisms I have complicates things. I had no idea that there were different types of astigmatisms. Live long enough and you learn the most interesting things. Not but….
But still, I checked my credit card accounts almost daily. I used to check daily but had convinced myself that I was being too obsessive.
I need to relax. In the larger scheme of life this is nothing. Yet I know I’m going to check all accounts twice daily though Amex and Visa bend over backward to accommodate me. Maybe they won’t anymore. Maybe they’ll become bitchy about their mistakes as did this credit card company.
Good credit and clean underwear get you everywhere.
Something I always advise people with nonverbal learning disorder (NLD): Check your credit cards often. Pay as often as you can. But I missed $9.90 in payments and my credit went down over 120 points and I feel as if I no longer can call myself a “responsible adult.” I know how absurd that is but….
My Dad was a CPA, though he preferred to be called an accountant. From the time I was young he stressed two things: Always have good health insurance and good credit.
Today is the anniversary of his death. On my father’s Yazherit my FICO fell from the 800’s to 695.
I want to laugh about this. I desperately need a vacation. Until I get the result of my CAT Scan and find out, hopefully, what’s wrong, I don’t feel comfortable going to Europe (where I will want to walk a lot) or anyplace really.
But it’s my FICO score that’s upsetting me the most right now. In an uncertain world with uncertain outcomes, it was the one thing within my control. Or so I thought.