Having bad credit sucks but having bad credit in the middle of a recession can be considered a form of torture. In this society most people live off credit, the big corporations make sure of that. And if you’re not living off credit the big companies are going to make sure you suffer because of it. Back when I was a recent college graduate, I defaulted on a credit card and have been paying for it ever since. I have been working steadily for about 8 years and have money to pay for the simple things that I want, but when I attempt to get a little ambitious and purchase something out of my monthly range, I get rejected on every try. Even if I can prove I have the monthly income available to pay, those bastards still won’t let up. Even when I’m paying back what I owe on that old credit card, those bastards won’t let up. And whenever I try to get credit for anything, my credit score is automatically taken down a notch, just for checking it. Makes me want to take a road trip to Crawford, Texas and throw a pie in the face of disgraced ex-president George W. Bush. I’m sure he had something to do with this. Just kidding - there is no one to blame but myself.
Recently, I have been attempting to purchase a car. I used to have a very nice vehicle but a couple of years ago I moved to NYC and decided to sell it. Now I’m back in Florida, and unlike NYC, it is necessary to have a car here. It’s kind of a status symbol; people just won’t take you seriously unless you have one. Buying a car when you have bad credit is always an uphill battle. Usually you have to pay a ridiculous amount on a down payment, and an equally ridiculous monthly payment. If they think a new client is a potential risk, you would think they would try to get the client a nice manageable monthly payment, thus eliminating the risk of defaulting. I know car companies don’t care about people, but do they have to make it so painfully obvious? Am I doomed to rely on the unbrealiable grade F public transportation of South Florida? Unless I win the lottery, get a second job or seduce a hot old mistress into paying my bills, unfortunately the answer is yes.
