Learned an expensive lesson today

I'm surprised you have any credit rating. I've fulltimed since 2005 and my credit is listed as "thin". Plus the 2 of the big 3 credit reporting agencies were 6 address behind the current one and one was a mere 5 address behind. But since I discovered that one of the biggie is nothing but a mail drop for an address, I stopped paying much attention to them (I was trying to get my brother-in-law's name removed from my husband's credit where my brother-in-law was listed as my husband's wife with my SS number, I finally gave up - took buying a house to fix it). I've financed 4 houses. I haven't had a loan since 2004. I dumped the last of my rarely used credit cards a few years ago and have relied solely on cash and debit card. I do have a bank. It's only online. I have a mailfowarding service in FL that provides an address that makes both my bank and the government happy.

I ain't got much but what's mine is mine and not co-owned with a bank who would take it away in a heart beat.