MrsChambers's Journal

1) maintain what little credit I have and keep a 30% max. utilization.
2) pay ALL bills when they arrive
3) go over finances weekly
4) track those expenses weekly
5) round UP all withdraws on checking account and round DOWN all deposits
6) check credit report and FICO score every 3 months
7) dispute anything wrong on those credit reports
8* attempt to get paid for deletion on any collection accounts
9) open a checking account and line of credit with credit union
10) secure an auto loan
11) don't apply for anymore credit cards!
12) SAVE profit-share monies for the year

my friggin husband has two whole bills that he has to deal with and today I find out that he has not dealt with them..... I am trying so hard to get things in order and KEEP things in order, then he goes that throws a monkey wrench in my sh*t....

frustrated

1) maintain what little credit I have and keep a 30% max. utilization.
2) pay ALL bills when they arrive
3) go over finances weekly
4) track those expenses weekly
5) round UP all withdraws on checking account and round DOWN all deposits
6) check credit report and FICO score every 3 months
7) dispute anything wrong on those credit reports
8* attempt to get paid for deletion on any collection accounts
9) open a checking account and line of credit with credit union
10) secure an auto loan
11) don't apply for anymore credit cards!
12) SAVE profit-share monies for the year

I need to copy them off and laminate them and then staple it to my friign forhead!

whelp.. I'm real sorry that I havn't been writing like I should.

So I have been in a battle of sorts with the Arizona Department of Revenue.

I think that they have me mixed up with someone else.. but of course, they arn't going to admit that!

So about two weeks or so ago I get this letter from some bankruptsy specialist with the AZ. DofR. I had asked for them to remove a tax lien that I found out that I had against me.

so this person writes me back and tells me NO. Reason: they say that I didn't file my state taxes in 1997 and 2000. Well this just miffed me!

know the reason why I have the tax lien is because in 1999 I decided to do my own taxes (BIG MISTAKE) and of course I messed them up, and of course when the state fixed my error, of course I ended up owing them money, and of course I make a buck fifty and a piece of gum each day, so of course I didn't have the means to pay, so of course they put a lien against me.. Okay.. I'll give them that.. yeah, I screwed up on my own taxes. okay.. not a friggin tax dodger here.. just an american tring to figure out the tax codes (Stupid, I know)

so when I get this letter saying that I had not filed for 1997 and 2000 I was pissed. So I went on the hunt for my old tax records. and THANK GOD my mother is a total spaz when it comes to taxes, so indeed, I found the information that I needed.

so as it turns out.. I didn't file state taxes in 1997 because I made to little to file.. and indeed, I didn't file in 2000 because I wasn't employed or lived in the state. So I didn't see the need.

So I copy off all my documents for 1997 and 2000, along with the documentation of all the payments that I have made to them just in this past year, and I copied that pages on the approperate years tax booklets to support my claims... and I also included a nasty little letter to the lady stating that I belive that this is nothing short of HARASSMENT by the Arizona Department of Revenue.

So I had planned on calling that lady who sent me the NO letter and see if she had even gotten my documents when - RING RING- the phone at work 8am SHARP monday morning. Apparently this lady called my boss at home to get the number for here at work (go figure)
she didn't say anything about my accuisations about them harrasing me.. BUT I am getting my money back....

WOO HOO

I FAUGHT THE STATE... AND IT SEEMS THAT I MAY HAVE WON

I have not recieved anything from the state yet, she said that she is going to send me out a packet of paperwork.
So i'm hoping that in that paperwork there will be
1. an appoligy(?) (yeah, right!!)
2. my friggin money
3. paperwork to release that friggin lein.

TOOT TOOT

Arrgg... it's snowing again... how much of these are we going to get? this is nuts.. I mean.. I know that we need it and all.. but it's just going to flood again.
this weather is just crazy.

Guess I'll be snowed in for the weekend...
(

so I have been attempting to work on my and my hubbys credit of late. Been doing pretty good.. got one of my husbands baddies DELETED from EQ with one letter to them.. so that was super groovy for him.. he needs it.
a few years back.. he had the groovy credit and we were living off his means(credit).. well now that 7 years is up.. all this crap as fallen off my reports and now I'm the one with the groovy credit... so we need to work on his stuff

I reciently got a secured CC and put him on as an authorized user.. so that should help..
and then I got a CHEVRON card and also put him on as an authorised user.. so that should help also...
I'm checking my report everyday and hoping that my softs will drop a hard or two over time.

WOOHOO

okay.. so it's been about a week.. and I'm doing bad.. real bad.. I need to be more diligent about this stuff

I am going to write down all my stuff and what-not here.. this should be great!