How I Became My Own Consumer Credit Counseling Service And Bounced Back From My Bad Credit Nightmare (part 11)

That's when I decided to do a little research. I'd gotten turned down for a May Company revolving credit card and so I was able to request a free credit report. When the report arrived, I knew I was in serious trouble. My FICO score was lower than a passed-out skid row bum's pissy pants. I'm talking around-the-ankles low.

My bankruptcy would be indelibly recorded in my credit history for the next 10 years.

During that time, it would be difficult for me to reserve a motel room, rent, lease or buy a car, buy a condo or townhouse or home - without paying dearly for it by way of jacked-up interest rates ... even if I wanted to use a credit card for one of the female escorts advertised in the back of the LA Weekly, I was SOL, unless I'd gotten myself one of those secured Capital One MasterCards. It was Visa and MasterCard that facilitated my downfall, and here I was going to have to rely on them once again to get me out of my mess. I would have to start the whole stinkin' thing over again with a cheesy little $300 secured card.

Ironic doesn't begin to sum it up.

I was most righteously and rawly screwed ...(consumer credit counseling, to be continued)