It's Thursday!!

Well had a great day yesterday.  My office treated me real nice for admin professional day.  I got a Kohls gift card, sounds like some shopping in store for me this weekend.  Managed to pull one over on hubby & when he got his bday present, a new 32" flat screen hdlcd tv, he was excited.  Dinner went great.  After that it was home to watch the caps game.

Not much in store for today.  I am tired today so I am hoping that the work day is light.  The girlies will be gone out of town with their mom so we have a few nights & days to ourself.  Have a great day!

Wow, Court, sounds like all was well in your shoes yesterday!   Glad DH was happy with his present.   Hopefully you can get some time to get some much needed rest.

Jamie, is the swingset finished?   Hopefully no moos will come to play on yours LOL. 

We had a pretty good day yesterday.   Nothing too exciting.   Sadie and I spent some time outside yesterday afternoon riding bike, coloring with chalk, etc...   We ended up at the store buying more chalk and bubbles for this afternoon.   She's not so sure of those darn bugs that are all of a sudden turning up though.  I even let them crawl on my hand to show her they wouldn't hurt her LOL.  Today I'm working a split shift so I can take my mother in law to the Dr.   I'll be working a total of 6 hrs then making some more time up tomorrow.  I'm soooo looking forward to the weekend.   Not sure why though as it's packed full already. 

Well, on to the house update.   We got an email last night saying everything is updated and was sent back to underwriting yesterday afternoon.  We're now just waiting for that final approval.  The banker says she doesn't see why it shouldn't happen this time.   I'm not holding my breath though.   She said we WILL close on or before 4/30.   We are planning the big move for the weekend after that then.   Of course that's the weekend there are all sorts of things in town I'd like to go to.  On Tuesday I got an email from the banker saying there was a problem with this thing on my credit report that wasn't my debt.   She asked me to call the place the debt was for and get them to fax her a letter saying it wasn't mine.   Ok I called them...they said they couldn't do anything because it was sent to a collections agency and they're the ones who put it on my credit report.   While talking to her though I realized it wasn't mine but was my ex husband's sister in law's.   We have the same first name and middle initial so when we were married to brothers it was very common to have things mixed up.   I called the credit agency they tried to tell me that it's now a judgment.....whooooaaaaa wait a minute....this isn't even mine and you placed a judgement on me.   The lady tried telling me she couldn't help me that I needed to go to the courthouse.   I said nooooo I have no judgement showing up on my report.....I asked to speak to a manager.   She came back again asking me what my sister in law's name was.   It took me like 30 mins to get this lady to understand that I wasn't the Michelle she was looking for.   I finally said hey check the ssn...I gave her my last 4 digits.   She says, "that's not what we have here for you"....ummmmm hello lady that's what i've been trying to tell you it's not mine!!   Finally I got a letter faxed to the banker and myself saying this was a mistake and they would be removing it from my credit report.   Geeeshhhhhhh    So now we should have everything cleared up and hopefully the approval is on it's way.!!!

Michell, WHAT A HEADACHE!!!!!!!  The other thing that I URGE you to do, is whichever of the credit reports that the negative item was placed on (one of them or all three of them) PLEASE contact them individually & DISPUTE that item, that will help you cover your butt.  TRUST ME.
I am a victim of identity theft.  I am 37 now, but, I had thing on my credit report before I ever had credit   I was 19 and applied for a loan, with my gramma co-signing.  The only other thing that I had, was a telephone.  Seriously....  So, at the bank, they pulled my credit report, and showed it to me. 


THERE WERE OVER 2 PAGES OF BAD DEBIT

Then the banker askes me if I was going to be paying any of it off??!!??
So, Trust me, I have fought & fought, and fought.  OK, off my soap box  grumble, grumble, grumble........

Got most of the stuff out of the shed and priced last night for our yard sale.
The swingset... it is not done yet, but, Hunter can still play safely on it.  Next step is to move it over about 2 feet, then DH will fini**** up.

-Jamie

Thanks for the advice!!   We already do have a letter written to send along with the proof to have this removed from my credit.   Thankfully we've gotten very good advice from the people at our neighborhood housing services place. 

That's awsome that you got good advice from your housing service!!!!  YAY!!!!
18 years ago, with the credit bureaus sure was a different story.

I placed 7 year fraud alerts onto all 3 of my reports, and I have a 'Consumer Statement' on there as well.  The fraud alerts have expired, but I still monitor my reports.  Never ending, I tell ya!!!

-Jamie