This Wednesday Is Sucking

You guys. I am so pissed off right now. To the point where I can’t even focus on tasks.

Last week, I miraculously got a phone call from our mortgage holder that we would be able to refinance at 4.5% under a new government program for underwater, responsible homeowners which is awesome. If you’ve been reading a while, I’ve been through all kinds of ridiculous calculations trying to figure out a way to refinance down from 5.75%.

They ran our credit and, again, mine was significantly lower than The Husband’s. I did not understand this and so the broker started looking through the report and saw that the BULLSHIT collections account (if you care to read the full bullshit story) that I got removed through Equifax 2 years ago is still being reported by TransUnion and Experian.

I have been mad since 10am. I even ran a brisk 3 miles on the treadmill (26:15 – fast because I felt it would help calm me down) to shake the anger which resulted in maybe 20% improvement of overall pissed-off-edness. Did not remove my general crotchety feeling.

Supposedly, this won’t affect the loan because my middle score is above 720 (I have 800+ on Equifax, but under 700 on Experian. FRGSKIGLKUYIRLSKGUEHL!). But I have to write a F*&CKING letter explaining the bogus collections account. [shaking head]

Why is it that with credit reporting, it’s “guilty until proven innocent”?!