wonderm

Thanks for all your input. Wish me luck.

Thanks Mini. I think my post was confusing. Sorry, I have all this info swimming in my brain. My question is if I order it from a thrid party (one of those sites that sell you all three reports), does that give the CRA 45 days to respond to my validation request?

After reading, reading and some more reading, I think I am ready to begin the long journey of repairing my credit. I just want to make sure I have this right. I am a bit confused with ordering the reports. Even though I pay for them through myfico.com, the CRAs still have 45 days b/c I ordered from a third party. Correct? If I should order directly from each CRA then why do we have a myfico.com discount thread? Under which circumstances would I get my report from myfico.com instead of the CRA? Thanks for your input and patience with this newbie. As a side note. I want to thank Psydoc and all of you who helped with the transcripts on Psydoc's credit repair workshop. Thank you for thinking of us newbies who came and will continue to come long after the course.

Good luck Nathan. I am gathering information and will soon begin my very own journey. Thanks for sharing.

Hi Snorkmaiden, I don't have my PM rights yet so I just wanted to check in with you. How are you coming along? As for me, I had one of those days. It felt eternal, I couldn't focus on work YUCK so i went to hit and kick a punching bag for a little while. Wish I could say it worked but nope today I am still missing him. My big 40 is coming up and I think I will be celebrating all by myself. It sucks, we had plans to go to San Fran but all went down the drain. Anyway, tomorrow is another day. Remember my offer it still stands. Hang in there - sunshine is around the corner REALLY. Remember to fake it until you feel it java script:emoticon('', 'smid_13')

Craig's list is a great place. Also, google surfing club and see if something comes up in your area. Maybe there is a community school that has a surfing class. While you already know how to surf you can always polish your skills. Also, maybe volunteer. I live in Miami, Florida. I volunteered a few times with the local chamber of commerce to work at some of their functions and got to meet different kind of people. The key is to be patient with yourself and whatever you do DON'T (sorry for the caps) let it affect your work. The last thing you need is loose your job over this breakup. Find a way to channel your energy. I don't know about getting a second job. For me smaller projects seem to be working. Like the other post said, it is an individual thing. I don't think crying is pitiful. My upstairs neighbor has heard me weep numerous times. You are lucky atleast they knocked on your door. I am glad to hear you sound a little better today. Don't beat yourself up about the bed thing, I've spent entire weekends barely moving from my bed. Just remember at some point to come up for some fresh air. Remember we are here.

LOL I seriously need to print the acronyms to keep up with this board. I keep having to search for the terms It is my pleasure to share and lend my support. I recieve a lot from this board so it feels good that I can actually give back to some of you.

Hi, I am new to this board but not to this topic. Last night, I was reading a transcript from psycdoc (hope I did not butcher his name) anyway, in the introduction to his class he talked about this board and the sense of community. How people here are eager to help others get through tough times (meaning credit repair). If you will allow this newbie to share with you her own experience perhaps I can help you get through this as well. Maybe you might learn from my mistakes and not go down the road I picked. I too suffered a break-up over a year and a half ago. I too, moved to his town, had no friends, no family and only him there. Once he was gone, I did not even have this community board. I packed my bags and headed back to my hometown hoping that my family and what little friends I had left would make things better. WRONG. Needless to say in less than 2 months I went from a size 12 to a size 4. I focused on work, I did a HUGE amount of overtime, and went to this kickboxing class Monday through Thrusday night to avoid being home alone. I would get home and take two tylenol pm and fall asleep crying only to start again the next day. I dreaded Friday nights and the weekend. I tried to stay busy with my family but couldn't force myself to go through the motions. It was just awful. My coworkers invited me out dancing but that only made me miss him more. I could not go anywhere without thinking about him. Then one day 3 months after I moved back to my hometown, his call came in. Wow, I thought I was walking on clouds. He came to see me and spent the weekend. Let me just say that what seem like a blessing that day was the beginning of a very loooooonnnnng year and a half. So here I am. After countless of promises from him that we would make us work (only to break them) and countless of promises from me that I would never speak to him again (after he broke his promises), I am still here, alone, hating the weekends and every single minute I am awake thinking of him. I am still at the very same point I was over a year and half ago. I should have let him go then but kept praying for a miracle. So now I get to start from scratch all over again. I won't paint a pretty picture to you. I still cry some nights from missing him. I still hate the weekends. The difference is now I know better. I know that I have to just allow myself to cry and eventually my heart will heal. I know it is time for me to stop blaming myself or him for our break up. I know to stop replaying our moments good or bad, and if they pop up on my mind which is how my "fits" begin, then I take a deep breath and try to gently pry away from the memory. If it does not work then I just allow myself to get through the moment. I know that one day I will wake up, smile and mean it. In the meantime, I am very gentle to myself when I have my "fits" and I don't try to convince myself to stop crying or to hate him. I just patiently wait to get throuh the bad moments and gently remind myself that everything in life has a cycle. All that has a beginning must at some point have an end. Sadly, in our case the end to our relationship came a lot sooner than the rest of our lives. So you see one day you will wake up, smile and begin a brand new day with a fresh start. In the meantime, just think of it as being in a waiting room. Just need to wait your turn I still have not dated, don't think I can for a long while. But I know that the day will come when I will and my sun will rise again. Little by little I am finding small projects, like my credit repair (ok that is a huge one). I am finding classes I find interesting, and events around town that will keep a weekend night busy without the pressure of "meeting someone." So just like my credit report I am churning away little by little at my heartbreak. I am not sure what town you are in, I am in Florida. You are more than welcome to email me or pm me (whatever that means I don't know the acronyms by heart yet). I will be happy to share my info with you. I won't promise you that I can make things better, only time will do that, but I will be here for you if you need me. You can count on me for support. I can't promise you I will always be able to cheer you up since sometimes I can't even manage to do that to myself but I will listen and you won't annoy me. Maybe we can put our minds together and find a way to get through this together. Please excuse my long post. I just wanted to let you know you are not alone. Hope this was of some help. Take care, Wonderm

Thank you! Thank you! Thank you! I have been reading for hours...must confess my head is spinning with information. You guys are great! Did I say thank you? PsyDoc and Breeze THANK YOU for taking so much of your time to help others and for posting the transcripts. I can't wait to get through them and get started java script:emoticon('', 'smid_4') ok I need a reading break.

Hello. I am new on this board and I just wanted to thank you for sharing your story. Right now I feel so overwhelmed with information but I am going to start little by little. Thanks to this board I can have hope that someday my scores will be high. Thanks again for sharing and thanks to all you old timers for having paitence with us newbies in guiding us.

Which card would you recommend? I don't qualify for BOA

Hello everyone, Out of these NC and Orchard Visa which one would you recommend as my first secured card? Does anyone know if they report the credit limit to agencies? Does Orchard upgrade you to unsecured automatically? Any other card you recommend? Thanks to everyone for their imput.