There is nothing like having to stare down your mistakes. Seeing them in black and white. Your financial mistakes laid out in a row for you to see how you messed up year after year. And all the money you wasted. That is what happened to me tonight. I have to fill out a bar application, which includes filling out financial information from the beginning of time. I haven't pulled a credit report yet (shudder). I am sure it is slow. But going through some old papers, I found some old credit reports that will help me reconstruct my past. Looking at them made me just shake my head.
I am really dreading filling this out. My one saving grace is that I have never declared bankruptcy, and I have always paid off my bills. Even if it has been slow. I always make payment arrangements. I am not worried about my dedication to paying off my bills. I am worried about how bad this looks to someone else. One good thing is that by seeing this right in front of my eyes, it reinforces that enough is enough.
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