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Preface

It was after my last temper tantrum that I declared my advocacy for credit consumer rights. I guess before I go on, I need to divulge a bit of my credit history. My credit, surprisingly, should not provoke such emotion. I hold four cards with a limited credit line and this is something for which I am very grateful.

I generally pay all my bills on time and mostly I pay above the minimum payment due. So what, you ask, may induce such tantrums? Well, simple. I am human. Yes, occasionally I may miss a payment. You fiend! You’re probably thinking of me. How could you be so irresponsible? How could you not honor a legal agreement?

Okay, let’s put this into perspective. Life happens and it happens to all of us. Occasionally, a bill gets lost or does not get sent. “Silly girl,” you say, “do banking online.” There is no excuse for losing a bill when all accounts are now electronic.