Michael S. Pascua The Life of a Freelancer

Credit where credit is due

I attempted to apply for a credit card and I got rejected. So I decided to go for a big named website and got instantly rejected. I’m now trying to go for a big named department-store. I was rejected for their actual credit card (associated with Visa/Mastercard/Discover/What have you) and am being under consideration for their less than $500 credit line.

I never had a real steady job. Yes, I get paid for my work writing articles for TV Squad. The unfortunate thing is that it’s not enough to even call it a part time job. The rest of my life is spent looking for other outlets for writing, reviewing music, and writing for other places on the internet (And blogging of course).

I was recently rejected by a website in the Match.com family (don’t worry I didn’t jump the shark and start writing about relationships; it was video game related) and I’m convinced that it’s because I have no credit. None.

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The fear kicked in: the lack of a credit line is preventing me from getting a job. The companies put in my social security number in their little database thing and there is nothing there. I didn’t pay for my college, it was all the parents. I have no debt. My writing instrument (this laptop in my now converted office downstairs) was a Christmas present. There is no credit line at all in my name. I’ve lived in my house for more than 12 years. I focused on my studies rather than getting a credit card and a job.

Then one more idea popped into my head. Eric explained to me how he got his credit card (which he used to purchase a Mac) before any economic turmoil kicked in. Maybe credit card companies are scared to go out on a limb and help me out because of the economy. Sometimes I wish I could tell them that the little money I do make would go and pay for the credit card, just for the sheer fact that I’m trying to have credit.

Sometimes I wonder what is in my personal record. Maybe there are school records. Diplomas. That one time I accidentally overdrafted on my checking account. I do know one thing. There’s no credit. And because there’s no credit, I can’t get a job. And because I don’t have a solid job, I can’t get credit. Thanks infinite loops.

About Michael

Michael is normally known as "Paz" but not usually as Mike. He likes reality television, all forms of music, and long walks (but not necessarily on the beach).