the good with the bad

The bad -- Collection agency called today, to collect on the money we owe the first (nasty) apartment we had out here. We broke our lease, and it was worth knowing we might owe money, just to get out of there. And we don't owe them all that much really, I just hadn't paid it, thinking it would go away (foolish I know, it never goes away). I was planning on paying it off in the new year anyway, because I want all the niggling litle debts gone when we go to apply for a mortgage.

The good -- It actually hasn't been reported on my credit report yet. By paying at the end of the month, it stays off my credit report, and the debt is gone, I don't have to think about it.

I actually feel better knowing it is paid, and knowing I won't have to get it removed from my credit report. Now all I have left are some fairly small outstanding medical bills (thank you, former employer, my insurance was awful, even though I worked for a hospital). And then my credit will actually be in pretty good shape (virtually no debt, nothing currently in the negative check mark column).

So, I am looking at this as a healthy way to start the new year.