Okay it's personal, nowdays the credit big ole 3 are deciding who should and should not be working for your defense.

Yes, my credit is screwed after 2 bad divorces....

It's now costing me my DoD job.....

Okay excuse me, but there is noway anyone would get me to roll over on my country. I don't care how much I owe to anyone else, I'm sure as hell less likely as joe blow with a good credit score but has other personality issues.

Fucked, by the system....blah

I'm sorry to hear that, Fandros - I related on this forum a few months ago how one credit card payment that was six days late (due to a computer error) after six years of a flawless payment history caused Chase to jack my interest rate up to 29.99% this January, and just this month Discover charged me 58.00 interest on a balance I paid in full prior to the due date. There is currently a bill in Congress aimed at making these sorts of practices illegal (starting next year ;) ) which is being fought tooth and nail by said industry and its army of lobbyists, but it's interesting that these folks who have no problem reaming the middle class for all they can get and more manage to plead their case and get bailed out.

I agree with you, in that susceptibility to being compromised has little to do with one's financial status and everything to do with one's character (the 'blackmail susceptibility' rationale has also been used to disqualify people for clearances based on their sexual orientation despite that the vast majority of entrapment type scenarios of that nature have been heterosexual), but the DoD is a dinosaur in many ways (or a battleship) and it takes a lot of momentum to turn it...

I have to think though, given both the abysmal pay for soldiers, the average American family's current debt load, and the state of the economy (where spouses are losing jobs, contracts dry up, etc), that they're going to be running into a *lot* of people with compromised credit and one can hope that will spark some interest in reforming those guidelines.

Have you considered looking to see if there's an existing class action, if you're just military affiliated, and not active duty or reserves? I'm sure you're not the first, especially recently, to encounter this issue. In any case, I'm really sorry to hear that, and hang in there and press until you get a definitive answer...

Sincerely,
Nydia

Fandros :(

It has been said here that these poor guys are only trying to make a profit. We are witness to history here...America has gone Fascist..

Senator Dick Durbin, "And the banks -- hard to believe in a time when we're facing a banking crisis that many of the banks created -- are still the most powerful lobby on Capitol Hill. And they frankly own the place,"

Profit my ass...we need to take our country back.

So money is powerful in a society that worships capitalism? How very odd. Those bankers are our high priests and their banks our our church. Give me this day my daily bread. This heresy will stop.

You cannot expect these banks to be civic minded! That's SOCIALISM!!!!!!

Profit Uber Alles.

(for the record, Im not anti capitalist.... but I think its time to recognize that too many Free Market extremists have tilted and skewed our system to something very unhealthy.)

It's not the banks that have got us here, it's ourselves.

We cannot ride the 'Free Market' for all its worth and then, when it goes tits up, cry out capitalism.

I've been surrounded these past few years (since I flew the nest and have a mortgage) with friends whacking holidays, new cars, HD flat-screens, all of it, on credit cards. In order to pay for our own wedding, myself and my partner had to move home for six months. Our other friends, however, threw it on a credit card. Now we've moved into our first *bought* home (and have paid the full balance of our december wedding - don't worry, photo's will be available!), with a cash deposit, and they've moved back home broke, and drowning in debt. We've had a total of one credit card, which was promptly paid off and cut-up. Most our friends have 4+ cards, most of which I believe to be maxed out.

This crash ain't no bad thing, sometimes. I think it helps remind people of what they believed to be the 'free ride' of the past decade. I'm sorry to act so cavalier in this thread, as I whole heartedly sympathise with my good friend Fanny. But I hate all the 'down with the greedy banks' shit.

We were the greedy ones. Spending money we just didn't have.

Halo I don't think you understand just how shitty one can end up in a divorce situation. It doesn't matter if you spent allot or not, if you have one party hell bent on screwing you over it can and will happen. You sound like a high-and-mighty preaching from the outside when not having experienced it for yourself. Trust me, not everyone with shitty credit spent extravagantly. It took me 3yrs to recover from mine and I know some who still haven't recovered after 5yrs. Fandros situation probably has zip to do with the economic downturn.

Yep, my X screwed my credit rating up, and to this day, I still can't get a credit card because of her. Not that I'd really want one, after seeing how badly they gouge people after the 'introductory rate' wears off.

Sorry Fil, I thought I made it clear, my opinion wasn't directed at Fanny and divorce, indeed I sympathise. It was more a rant at the credit crunch as a whole.

My bad.

But in my defense...

'Halo I don't think you understand just how shitty one can end up in a divorce situation.'

- Trust me, I do. My other half worked as a Family lawyer for about 16 months. Some of the shit she had to deal with, unbelievable.

Yeah, one of my business partners went through the divorce from hell and is still struggling to recover from it seven years later.

He worked to put his ex through business school after they had their daughter, then as soon as she graduated and got a higher paying job than he has announced it was no longer convenient being married to him (after secretly laying the groundwork for a surprise divorce). Before telling him, she consulted at least once with every highly rated divorce lawyer in Denver (so he couldn't engage any of them for himself due to "conflict of interest") and took him to the cleaners. She got the house, custody of the daughter (though he has to pay about 60% of his take home pay on child support until she turns 18 and can see her once a week) and still managed to saddle him with most of their credit card debt. Which, ironically enough, included many of the fees she incurred while consulting with all those lawyers to screw him over.

Yeah, one of my business partners went through the divorce from hell and is still struggling to recover from it seven years later.

He worked to put his ex through business school after they had their daughter, then as soon as she graduated and got a higher paying job than he has announced it was no longer convenient being married to him (after secretly laying the groundwork for a surprise divorce). Before telling him, she consulted at least once with every highly rated divorce lawyer in Denver (so he couldn't engage any of them for himself due to "conflict of interest") and took him to the cleaners. She got the house, custody of the daughter (though he has to pay about 60% of his take home pay on child support until she turns 18 and can see her once a week) and still managed to saddle him with most of their credit card debt. Which, ironically enough, included many of the fees she incurred while consulting with all those lawyers to screw him over.

holy shit someone got burned :eek:

Well, this comes on the heels of my suffering a work related injury. I find myself wondering if , after 8 years of them screwing up my security bs, if it's not related to my injury.

I'm cynical as hell I guess and frustrated. Thank god for workers comp, but who wants to be a debt to society ;(

Yep, my X screwed my credit rating up, and to this day, I still can't get a credit card because of her. Not that I'd really want one, after seeing how badly they gouge people after the 'introductory rate' wears off.


Pay your balance off in full each month, and you cannot get "gouged". :rolleyes:

Well, this comes on the heels of my suffering a work related injury. I find myself wondering if , after 8 years of them screwing up my security bs, if it's not related to my injury.

I'm cynical as hell I guess and frustrated. Thank god for workers comp, but who wants to be a debt to society ;(


A good friend of mine (who used to paint my motorcycles) who is now married to my ex had to take some time off work due to a back injury that required surgery, and a recuperative absence. He worked for a non-union company, and that company said they did not think the injury was work related and would not pay his time off. He brought in a lawyer to challenge them. This was just when the layoffs were hitting (Andersen Windows lays off each year, but this year it was brutal). When they were hiring folks back, he was told he was let go, after 20+ years. He is sure it is due to the injury and making noise about the back pay, but with no union he is in a tough spot.

Businesses are going to be getting tighter now when it comes to people being physically sound, and will no doubt be using any means to maintain a healthier workforce, which will use less medical insurance claims.

no worries Halo.
Fanny I hope it works out for you, sorry for the bad luck :(

Fannie, I too hope things work out for you. Obviously, the situation sucks; for folks who have seen their 35th birthday, situations like this are even more troubling since we have become more set in our occupational forte', and standard of living.

So unlike you guys I've got a pretty decent credit score and always pay my stuff off on time. However, this conversation got me a little worried so I log onto my Chase web account to see what my current balance is and noticed that without them telling me, they changed my payment due date from the 28th (which it was every month for the past 5 years) to the 23rd. I wonder what would have happened had I not been reading this thread, wondering what I owe, and then log in early enough to catch it. What a sneaky bunch of cocksuckers.

Chase tried to pull that with me too. So far the only CC companies I've never had sneaky bastardry from have been Amex and USAA. I've killed most of my irregular use cards lately because of it -- Amex must love me, they've kept me at a student rate for over a decade and keep upping my line of credit to the point I could get drunk and go charge a new Lexus.

That is pretty darn sneaky. =\
I haven't experienced that yet but then I just recently paid every single thing off and hope not to.

Trying to figure out what i'll be making from soc security as well as my medical retirement from the gov ;(

The appropriate response? http://imgur.com/oxijg.png