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my credit rating must be improving...

January 12th, 2008 at 02:49 pm

I got 2 phone calls yesterday offering me pre-approved financing...one is from Evil CArd...no way, never again!... back in my stupid(er) desperate days I took one of those with them...which I then tried to pay off early....turns out, even if you did pay off early, you were required to pay the full interest as contracted ....so, yeah, thanks but, no thanks!....
the other one was more interesting, as it is a re-fi of my personal loan...I could move some of the higher interest debt into that...we'll see...the only problem might be that I don't know if the Embassy accepts "discount orders" (meaning whether they accept the trouble of discounting the money from your paycheck before giving it to you and paying it directly to the bank)...if they don't, I can't even contemplate it...

but, you know what? even if I don't get it, I don't really need it!... Smile

Posted in Money, Progress | 2 Comments »

2 Responses to “my credit rating must be improving...”

  1. fern Says:
    January 12th, 2008 at 02:56 pm 1200149799
    1200149799

    i wouldn't trust an offer like that which came over the phone.

  2. miclason Says:
    January 13th, 2008 at 03:44 pm 1200239080
    1200239080

    It's ok, because all you have to tell them is yes or no (these type of offers only come from banks with which you already have business, and they never ask you for any personal info) and tell them which branch of the bank you'll do the paperwork at.

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