I decided to try to call another bank and see if I could get a loan. Apparently everyone only checks the expiring credit report that is about 100 points off from the other 2 so I can’t get a loan. It sucks, I really wanted this house. Of course the fact that I wanted it should have stopped me from even trying. I don’t understand why I get my hopes up anymore. I’m never going to be able to do anything I want to. It’s been that way for 25 years why would it change now.

Sometimes I wonder why I’m still here. Why I just can’t be happy and why everyone else gets everything, but I get nothing. If you can’t tell I’m a little depressed.

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Not only am I moving my my sisters are still on a hunt for a new home themselves. They thought have hit a snag. They have to find a new Mortgage Lender since they now also have to have a lawyer involved since the two buying the home are not married or related to each other in any way. This makes sense to me since any of the 4 could walk away at any time and leave the rest of them screwed. The two boys could also sell the home out from under my sisters if they wanted to also, that there is still nothing they can do about as they will have no owning interest in the home.

I tried to tell them there would be a lot more to it then just walking into a bank and getting a loan. They also now have to come up with a down payment since they are switching lenders. They didn’t need one before because of the bank they were using. I think some of this also has to do with a crackdown on bad lending practices and the mortgage mess. At least things are changing even if it makes it harder for them. I look at it this way, if they can’t afford it they probably won’t be able to do it now, a good thing being thats what brought on this whole mess in the first place, people couldn’t actually afford what they were buying.

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I am trying to get my credit back togeather and it seems like it’s a huge up hill battle. I just logged onto my personal credit report on true credit and found that bills I had paid a few months ago still don’t show as paid. I just don’t understand what is so hard about getting on a computer and saying  yes the bill has been paid. I still owe a ton more money anyway but it would be nice to see if even the 300 I paid will do anything to my score.

The other day I added all of my debt up without my student loans I still owe about $6,000 one from a credit card where 2,000 is fee’s, yes just fees because they lied to me and told me the money would come off of my card, not out of my bank account. Lets just say I will never have an American Express again. They just lie to you and blame you. Yep so right now they are last on my list to get paid. I only owed them 700 or so that I pulled off te card. It’s up to over $3000. I just don’t get how they can do that.

Anyway I’m hopeing to get caught up soon. In one year I graduate and I will about about 50,000 in student loans to pay. I don’t think it will ever end.

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