Copyrighted by Lorna Tedder. Originally published in Third Degree of Contrast.
I am fit to be tied, and not in a fun way either. I am so freaking pissed.
Instead of Â doing Â anything Â fun Â tonight, Â I Â decide Â to wrap up one last project and check on my tax refund…still MIA. Meanwhile, I download my 2006 edition of my tax software while Iâ€™m Â waiting and see right away that Iâ€™ve overpaid for 2006 and Iâ€™ll want to get my taxes done as soon as possible this year. No waiting to file an extension because Iâ€™m too busy.
In the middle of that, I get some idiot teenagers who want to play peeping tom and bang on my windows. Not a good idea when Iâ€™m doing taxes. The police are already ahead of me by the time I lose the boys in Â the dark. I donâ€™t chase anybody with a sword this time, though. Or my skull staff. Iâ€™m annoyed but okay.
But while Â Iâ€™m Â in theÂ taxing Â mood, Â I might Â as well make sure the Discover Â Card folks, whom I seldom use but like to Â have handy for emergencies, didnâ€™t mess up my Damned Â Near Perfect Â Credit Score Iâ€™ve worked Â so hard to have. Last year, Discover Â had a computer Â glitch that canceled Â a payment Â and billed me a late fee. I gave them evidence to the contrary and got it reversed, with their Â apologies. Â Six Â months Â later, Â the Â same Â thing Â happened again and they couldnâ€™t Â explain but they fixed it again, with more apologies. I wanted to make sure it hadnâ€™t messed up my scoreâ€”and I wanted to see how much paying off my roof back in the mid-autumn had caused my score to go up, since the roof purchase had caused a small drop.
I am shocked Â to find that my Damned Â Near Perfect Credit Score Â had Â dropped Â significantly Â and Â even Â more shocked to see Â the amount of debt listed. I pay off my credit cards every month. I have a mortgage thatâ€™s significantly less than my homeâ€™s value. I have a $200 a month car payment at too good a rate to pay off and itâ€™s almost done. I have no other debt and none from my marriage. This is not my stuff. And paying off the roof blipped it up only a point or two. WTF????
I go to order my credit report online, give my info and pay for the report because Iâ€™m not waiting for the freebie and itâ€™s a weekend and I Â want it now. After Iâ€™ve paid, I canâ€™t get access to it because I canâ€™t give them the proper info to prove who I am…because theyâ€™re not accepting the name of my employer for the last 19 years, 9 months, and 27 days as mine and theyâ€™re Â not accepting my home address where Iâ€™ve been since 17 October 1993 as mine. No. The addresses I have a choice of are ones where my exÂ hasÂ lived Â since Â he Â moved Â out. Â Theyâ€™ve Â merged Â his infoâ€”and Â who Â knows Â what Â else Â or Â who Â elseâ€™sâ€”with mine. I canâ€™t even get into my online Â credit report because it has his info instead of mine.
Between this and my insurance company sending him my privacy act info last month and not being able to explain why or how to me, somethingâ€™s really effed up. And Iâ€™m also listed online in a several people-finder Â places as beingÂ at Â his address Â when Â Iâ€™ve Â never Â evenÂ crossed Â the threshold.
And of course, itâ€™s a Friday night on a long weekend and thereâ€™s nothing I can do until Tuesday but sit here and scream at my credit score blinking on the computer.
Itâ€™s a good thing Iâ€™ll be playing with the chainsaw tomorrow.