i dont even move when my house phone rings. those that know me, hit my cell...except my mom, who doesnt understand that the housephone isnt the be all and end all to communication..lol

i actually just jumped on creditkarma and its not quite as bad as i thought.

i mean, its still bad...low 600s

but all i have thats open is mortgage, car, student loans and an amex card that is utilized at 8%....everything is current

i have two accounts in collections, and they will probably never see a dime unless they come correct and offer a settlement i like

i have a shitload (20+) of old closed accounts though, most were paid off, a few were charged off, but none are old enough to roll off my report unfortunately