Ah, the roller coaster of life

Life can be such a roller coaster. I know you’re probably rolling your eyes right now, as this could be the ten millionth time you’ve heard that metaphor. But the truth is, you don’t really get it, until it really happens to you. I just experienced my first, real-life, pain-staking, breath-taking, stomach-in-your-throat drop off of this metaphorical 950-foot-high roller coaster. For the uninitiated, it’s not as fun as it sounds. Okay, perhaps 950-feet is a tad dramatic, but that's certainly what it feels like when you're in the middle of the mess of it all.

Here’s the Reader’s Digest version: Girl falls in love with boy. Girl and boy get two dachshunds. Girl, boy and dachshunds make a great family. Girl and boy decide to buy a house together. Girl and boy find dream home. Two days before settlement on dream home, girl and boy are absolutely devastated to hear paperwork has gone back to underwriting. Girl is heartbroken to find out that her credit, or lack thereof, is partly to blame.

All of a sudden, because my credit score (nearly perfect of 786, might I add!) is “invalid” because there were only two lines of credit on the report. I just went from the first person, to the third person, and then back to the first person; still following? Anyway, there were only two lines of credit, because well, that’s all I have. Then they tell me that I need two additional lines of credit (something I’ve been paying money on monthly for at least 12 months). What am I supposed to do? Grab these imaginary lines of credit right out of thin air? So after scraping the bottom of the barrel, I came up with my apartment (which I pay rent for every month), and my Baltimore Gas & Electric bill (also monthly).

I feel as though I am being punished for having good credit. I never wanted a credit card because I never wanted to get myself into a debt situation. Meanwhile, 7 out of 10 people my age are up to their ears in it. Still, because I have no debt, my credit score is unacceptable. In what world does that make sense?

Now, I’m not sure at this point how the Reader’s Digest version will end; no one ever really does. I pray that it ends in “happily ever after,” but could it be too good to be true? Hold on to your knickers; this roller coaster may be taking a turn for the worst. I’m not sure I trust the calculations of physics on this ride…

Buckling my seatbelt and pulling down the shoulder bars,

Bridget Marie


xo,
Bridget Marie

P.s. This is my 55th post! ; - )
I've taken a very long blog break, but I just wanted to give everyone an update on what's going on with the home-buying process. I'll keep you all updated as things progress. If you're looking for constant, minute-to-minute updates, you can follow me on Twitter @ twitter.com/bridgetforney (just click on the title of this post to be redirected there). Keep us in your prayers!