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Issue 11 – Trinity 2022

Nunc Dimittis

Not Enough History

On credit cards.


It was there, apparently, for years, growing and shrinking, changing and being changed, without my having any say in it. It is not a tumor; it’s my credit score.

Recently, I thought I might buy a house. So, I contacted a mortgage lender who specializes in first-time home buyers. We chatted about my income and how much home I hoped to buy. Then he asked casually, “Do you know about what your credit score might be?” I said, “Not really,” and explained that I had typically spent my own money instead of borrowing other people’s. “It sounds like you’ve been responsible,” he assured me. “Your score is probably good. I’ll pull the report and get back to you.”

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About the author

Rachel Hoover