Mine's shot. Barely enough to qualify for a mortgage.
That'll happen when you've been up against $5k plus in medical bills a year for 6 years. That said, what's out there now is old and once it is gone (another year or two) I'll be tip top again. It sucks that companies can put negatives into your credit history and you have the burden of proving you didn't accrue those debts. I have two sizeable ones on my history that I cannot get removed. One is a medical bill from a facility I have never even seen (about 60 miles from where I used to live) and the other is from a utility company with whom I have never had an account.
I don't do the consumer credit thing anyway, I think it's foolish to buy what you can't pay for, and did myself enough damage that way in my capricious youth. Nowdays it is cash or do without.
But it would be nice to have my score fixed up a little for when we re-fi the house in five years.
