Though many times social media might try to persuade us otherwise, life is full of great moments, tough moments, and average run-of-the-mill moments. No one’s life is a fairy tale, and for very few of us in the United States is life a tragedy.

A few years ago now I bought my first home. I wrote about the miraculous journey HERE. It was easily one of the best decisions of my life, but it also brought a whole set of new trials. If you own a home, you know what I mean.

If you’re like me, sometimes hearing other peoples struggles is encouraging, if only to know we’re not alone. So here you are . . .

I bought my home with a 2-loan product. One loan covered the down payment, the other covered the rest. The down payment loan would not come due until I sold the home, or until the end of the loan.

The company servicing my loan would send me two bills each month. The first loan would always read “$0.00 due.” So like most people would likely do, I ignored this bill.

Fast forward 6 months or so. I got a notice for nonpayment. Of my bill for which nothing was due. I ignored it because, REALLY?

I got a second notice. This time, I called the company and the gentleman who helped me laughed it off, and said not to worry about it.

A month or so later, I noticed that my credit score had dropped by about 100 points. Knowing that I wasn’t late on anything, I remembered my nonpayment notices. Surely, it could not be . . .

BUT IT WAS. I called the servicing company again and the call went straight to collections. The company corrected the error and said they would fix the error with the credit companies.

It took many calls and emails and an email to a state agency before action was taken. Even now, my score varies greatly by which credit agency you’re talking to.

My realtor and mortgage agent tell me they’ve never heard of this happening to anyone else. Truthfully, I see the humor in it. A bill for nothing left unpaid resulting in past due notices resulting in a lowered credit score. It’s kinda funny because it’s preposterous.

And in the big scheme of things? I live in America and according to “Giving What We Can” website, I am in the richest 0.1% of the world’s population before taxes. Life is pretty good.

But LIFE still happens to us all. We have to find ways to laugh at ourselves, and not take setbacks too seriously.

Photo by Tierra Mallorca on Unsplash

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