FYI

FYI, if you hit a rough spot an have to default on a loan, unsecured such as credit card, and you live in a state that does not allow garnishment of wages, don't even bother paying it off.  I did.  I also notified the credit reporting agencies and found out that it doesn't matter.  It is still on your credit report for 10 years.  The deck is stacked against the working class.  Always has been and always will be.  The banking industry crashed our world economy and nothing, nothing happened to any of them.  Wells Fargo just got caught setting up bogus accounts for their clients and collecting money on those accounts.  Screwed their depositors.  And guess what happened to the powers that be in that bank.  Nothing.  Nothing. Nothing.  The bank was forced to pay a fine.  No one went to jail for embezzlement, which was what it was.  No one went to jail for identity theft.  No.One.Went. To. Jail.  Had that been and average working person, they would already be behind bars for years.  So, best to just not use credit cards, save for what you need.  Try to have no debt at all.  That is my goal and I am getting very close to doing that.  And, by the way, your government is working for those same businesses that screw you.