OMG....Just pulled FICO scores....

[aces67]

Ours isn't too bad either. People tell you that BK will destroy you and your credit but it's really not that bad.

[MrSmithster]

you dont have to make excuses for wanting a decent credit score, its way ok. there are some on this site that are overly "motherly". they mean good, but come across as anti-credit Nazis. like wanting a decent credit score means instant BK again. i think most of us have lived and learned, we dont need mom telling us we shouldnt even think of such horrible things as...gast!!!...credit scores. sorry, but i see this harping every time someone post a simple question such as this. lecturing about the evils of considering CR's has nothing to do with the questions asked by the OP

[momisery]

My credit score has always been my badge of honor.. it was at 798 for years, and I could walk in any place and get a loan if I wanted to. I never thought I would be in trouble with a hubby sick and out of a job and all our resources spent on trying to float our bills long enough for a "turn around". I wasted my money paying for things to protect my credit score. But I also wasted my life thinking that buying stuff is all there is. I still buy, but it is cash, and I buy used. I have return to sewing as much as I can, and buying cheap like the 70% off rack. But then I was always frugal anyhow. Never had magazines or toys so much. For hubby this is much harder. Since his job is gone, and his larger income is gone, he feels lost I think. Then knowing he has COPD makes him realize he does not have forever. He is more materialistic than I am. And controling his urges will be a challenge. Making him see that a membership at the Y is better than 77 bucks a month on direct TV is about impossible. The good the membership would do to his health compared to the TV is unexplainable to him. How can I get though? I am about to the point of telling him that "no income" means either you make money to pay for your toys or you do not get toys because I can not afford you. But I do not want to hurt him any further than he is hurt by all of this. How can you talk to someone who "wants" all the time? How do I get though to him before he spends the rent money?? lol... Not that desperate, but seriously he needs to review his life and what is imporant. He keeps saying he wants to live smaller.. but then he wants 2 subscriptions to magazines per year, and steak dinner out, (we do share a meal so not so bad), but a beer or soda puts it over the top. Then it is a different car that he is looking at, not buying but talking. I tell him 77 is a ton for TV, and he says it is cheap entertainment. He has to buy blank CDS to download music and he as a dresser full of these things.. .like you can not listen to the same song twice or what? How can you get though to someone like this?