Let The Fix Begin.

I’m not perfect.  Far from it really.  I’m not looking to spin a yarn with loads of excuses like, “I moved and they didn’t forward my mail” or “I didn’t know about the debt until years later when I was refinancing my apartment/house/condo/co-op”.  No.  Most, if not all of the debt on my credit is due to sheer stupidity on my part.  I’m a live-in-the-moment kinda guy.  Still am.  Fortunately, I make a shitload of money and am able to keep my head above water (barely).  I pay the bills I have to: Amex, mortgage (CC+tax too!), and car payment (why the F I have a car is beyond me).  Everything else is open for debate.

What I do hate, and always have is hypocrisy (see ‘Eliot Spitzer’).  I see first-hand what easy credit does to people.  Apparently, we’re all a bunch of live-in-the-moment dipshits who like that shiny new big-screen television but make up a thousand reasons why not to pay the bill.  Most likely because we’ve bought some other useless shit to fill our homes, apartments, etc with.

Banks give us easy credit and then when we don’t pay (d’uh!) they send in the goons.  Smarmy little fucks with made-up-stripper-names who sit in their cubicles dialing for dollars.  They cajole, lie, and threaten to get you to settle.  When you do, they still report you to the credit bureaus and your credit goes further into the shitter.  The irony is these fuckwads are up to their assholes in debt too and they’re the vultures picking at the carcass of easy-credit death.

This is my plan to fix my credit by any means necessary.  Pay my debts?  Perhaps.  Use the law to my advantage?  More likely.  I will try to be as honest and blunt as I can.  No excuses, lies, or half-truths.  You don’t know me, but if you did you’d like me.  I’m not a bad guy, in fact, I’m the guy next to you Thursday nights buying rounds for everyone while I try to scam your girlfriend or sister.  I guess I lack in the moral responsibility department too.

The point behind the blog is for me to share my experiences with complete strangers and hopefully pass along what works and what doesn’t.  Hopefully, my mistakes will benefit someone because if they don’t I’ll make sure they benefit me.  I’m a bit irreverent so get used to the language.  I am from New York City after all.

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