- Mon Nov 06, 2006 12:46 pm
You're quite right Tonya - it doesn't make us more worthy or better to have a "good"/"clean" credit file, nor does it make us any less so to have a messed up one.
BUT - to be honest, with regards to money and financial standing, as you mentioned you have found out, it doesn't matter one jot how WE see ourselves or feel about it, it's how OTHERS do....
It is sad, and maybe it is 'wrong', but for many things in like we are beholden to the people who supply them to us - Bank Accounts, Hire Cars, Mortgages, Letting Agents etc etc. It would be hard to get through life without coming in to contact with ANYBODY who wanted to check your financial situation - and who would therefore have some issue and possibly not give you want simply because of a record on your CRF.
The way I see it is that before my Bankruptcy, my "financial and credit life" was getting into a mess and that was not a good thing. I decided, for my own good, to do something about it and the Bankruptcy itself has gone one of the steps to me getting a clearer, cleaner financial life. Sorting my CRFs is another step which I am taking to that end, and not being a bit of a **** with my money or obtaining credit here there and everywhere is my final "step" to continuing along that path.
There is nothing wrong whatsoever with wanting nothing more to do with any financial matters, or to clean up your CRFs, or to not have a Bank Account, or not to get a Mortgage or Tenancy to Rent and so on. It's pretty impressive if you can do it
But I would find it hard to spend the next 50-odd years of my life living in the Tent
Horses for courses though.