sick of it all

[floatingleaf]

So here's the latest scoop: I indeed do not have a credit history, because I changed my name. Both my credit cards are still under the old name (I didn't bother notifying them of the change, since I'm still using checks with the old name to pay my bills). My social security number, however, is now officially tied to the new name - so the credit report for a person of that name comes up blank. And because I've already changed my name with Social Security, the loan officer says we can't use the old name to apply for a loan. Looks like I've stylishly shot myself in the foot. But then, I wasn't expecting to be applying for mortgage loans anytime soon. It wasn't my idea, remember?...

My mother doesn't know about this new development yet. I bet she'll be thrilled.:/ And then I'll have to withstand the full force of her righteous indignation with the whole thing - my humble self included. "Why on earth did you have to change your name in the first place?" - she will ask. And somehow I get the feeling that "Because I hated the one you gave me" is not the correct answer.:|



In other exciting news, I am coming down with something. My sinuses are all stuffed-up and my head weighs a ton. Looks like I might be spending tomorrow in bed. The funny thing is, I actually took Monday & Tuesday off, because I am expecting to get my period right about then, and I still have a few unused vacation days left. I have unused sick days too, but I hate inventing new ailments each month, so this time I decided to use some of the remaining vacation time instead. Except it seems I wouldn't have to invent any ailments at all, since they obligingly appeared all on their own.:/ Well, at least I have three days to sleep it all off and get myself back in shape, lol.

Truthfully, I think it might be the stress associated with the whole "buying a condo" project that has contributed to my succumbing to some sort of seasonal affliction, whatever it is. I really don't react well to stress, and I've been feeling very pressured and emotionally exhausted of late. So it wouldn't hurt me one bit to postpone the whole thing for a year or two (until I have accumulated some credit history under the new name, that is). Especially since the real estate agent said that by the estimation of people working in the business, the housing market isn't going to recover for another 2-3 years. So there's a good chance the prices will still be low enough for me then. But what's good enough for me, apparently isn't good enough for my mother. Once she has set her mind on something, she wants it to happen NOW - or, preferably, yesterday.:/ And she doesn't take "no" for an answer. To her, "delay" seems to be the scariest concept of all. Well, to me the scariest concept is "rush". So we are well-matched indeed. Someone "up there" must be having lots of fun at our expense, I'm sure. *sigh*

Comments

[mellacita.livejournal.com]

I had a feeling that could be part of it. I'm sorry. :( I had a screw up in early adulthood, where my mom mixed up my brother's and my social security numbers. I had to get a new one, and as a result, I had a totally clear credit report despite having held a credit card for 2 years already under the same name and address. Eventually they caught up, though, and my old info went on the new report.

Can you notify the credit cards of your new name? Women who marry and change their names have to do this all the time, for example. Ask them in writing to report the account history under your new name and soon enough it will reflect your past good credit behavior under your new name.

Of course, if you were looking for an excuse to get out of the whole thing, this works. ;)

I hope you feel better soon. *hugs*

[floatingleaf.livejournal.com]

The thing is, I was actually considering dropping one of my credit cards and applying for a new one anyway... I have one from Citibank, you see, and now that I've actually caught up onto some basic facts about the world we live in, I don't feel comfortable having anything to do with Citibank anymore.:/ Plus, their annual fee is ridiculous, and they recently charged me $39 (!!!) for a late payment (which wasn't my fault at all, since I didn't receive their email statement/reminder until AFTER the payment was due). So I was thinking I it might be a good idea to cancel that account before my current card expires (which will happen in February). But then the condo thing came up, and supposedly cancelling a credit card account can hurt your credit... so I thought, OK, I'll wait till I get that loan approval and THEN cancel the card. And now I don't know what to do anymore.:(

As for my other card, which I was going to keep (my first one, actually, from Alliant Credit Union, with whom I have a savings account) - I did send them a copy of the court document proving the name change along with one of my recent checks, but they must have somehow ignored it, because I just received a new card from them and it still has the old name on it.:/

Of course, if you were looking for an excuse to get out of the whole thing, this works. ;)

I don't mind if it does, but I'm afraid my mother will not buy it and will probably come up with a solution - like the one you suggested above.:P

[taelyn-sass.livejournal.com]

You'll probably need to contact the credit reporting agencies directly to get your credit history transferred to your new name. Let me know if you need help with that.

Waiting is not a bad thing, except for having to deal with your mother. Take this as a sign that things were moving way too fast and slow down. You'll be glad you did it at your own pace.

Hope you're feeling better soon. Lots of seasonal illness going around right now so take good care of yourself. *hugs*

[floatingleaf.livejournal.com]

Waiting is not a bad thing, except for having to deal with your mother.

Exactly. *nods*

You'll be glad you did it at your own pace.

Oh, I know that. It's convincing HER to slow down that's the true issue here. *sigh*

*hugs back*