Thursday, April 28, 2022

 Finally.

My credit score took a huge dive a few months ago.

I thought I had a pretty good understanding of credit scores, considering all I've been through getting it up to the excellent range, but of course they threw a curve ball at me that I didn't know about.  

  I paid a bunch of stuff well down in the last several weeks and the main one that tanked it - Bank of America credit card - brought it back up 52 points.  I'm hoping after everything hits - however long that's going to take - it will get back into the excellent range. At least it's out of the fair range.  I lost 15 points just paying off a loan.

I just don't understand a credit score that says, hey! You paid off a loan! We're going to hit you for it, not give you any credit for it!  I know why they do it, but it makes no sense. You  "eliminated" a credit account, a big no-no for credit scores, but if you take out loans, you will sooner or later pay them off? Why would they hit you for that? But it's happened several times now.  

Credit score is important to me because I know I'm going to have to take out a loan to finish off this park.  Fair score isn't going to cut it.  Good score might. Excellent score will definitely do it.  

I dunno, but now I know this "new" "stuff" about credit scores, I will be keeping an eye on each card that I use at appropriate times of the month.  \

Back from Brownsville, going right back out to Oklahoma tomorrow.  I'm a wee bit tired.  5 days in a row - all day driving all 5 days and tomorrow will be no different.  What changes is getting back on Saturday, I will be off for the rest of Saturday and then Sunday and Monday as well.  

I have 20 hours left on my 70 hour clock.  Meaning, according to that thing, I have worked 50 hours in the last 5 days.  But, that's far from reality.  It's just what I logged while driving, it doesn't show a lot of other stuff I have to do that I can put the thing on off-duty status while I'm doing it.  It's legal, yes, but it's more like 70 hours.  

I've pretty much stopped researching RV parks for the moment.  It's just a bit frustrating that literally nothing is getting done on the construction of it and nothing can be done with it. More rain forecast for the next 10 days.  Monday for sure it's going to rain, the rest of the days - all of them - are in the 20 percent range.  

And finally, I haven't decided yet to fly back to AZ for the 40 year reunion.  I have never been to one but spending that much money, just don't know if it's going to be worth it for less than 3 days worth.  So many people I want to see well beyond the scope of the reunion. My son, my mother, several friends, one specifically whose wife died late last year and he is hurting.  They were married a long time.  I'd really like to spend a day with him, just talking about her and the things that were so wonderful about her.  She was a really great person.

Anyway, time for bed. Another early load appointment time.  

 Saturday - late afternoon I did not get up early since I had second load and was really deep in sleep again.  Like, this all seems to have ...