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Some interesting changes have suddenly hoved into view here.
First was finally giving in and calling USAA's bluff about "you're pre-approved!"
Past experience has informed me that, no, I am not really approved and once I apply I will be declined.
Wrong.
They instantly approved me. For a limit that seems outlandishly generous.
We're going to use it to buy gas and beer and pay it off every two weeks like we'd just bought beer and gas with cash. That'll show 'em!
That made me realize that my credit rating must be better than I thought.
It turns out my bank will show me the Experian report.
727 is my credit rating.
It wasn't all that long ago it was 530.
Harvey checked hers and it's 680. 680 before her discharged loan hits her report.
Holy shit!
We're normal Americans again!
Next time we renew our insurance this will have a positive effect. And this is the only reason we really care.
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