… that I don’t have enough credit to get the interest rate that I want. I got to the bank to sign my loan papers and – silly me – I assumed that the rate shown on the website was the one I’d get, not the lowest possible you could get. Big DUH. I only have one student loan and a TireKingdom credit card so my Beacon score is not fabulous. Now Ash, on the other hand, when we were applying for our mortgage, had what they called an “excellent” credit score. SO, I attained all necessary paperwork so he could be the primary account holder and I dropped it off at 7 AM this morning. I am hoping that his will really drop the rate to something more reasonable. I am hoping that this will mean that I get my car today. Mine could die any day now.
I was so excited yesterday. I mean, as I drove to the bank I was thinking about how cool it was going to be to be driving that car back from the dealership, in its brand new car smell glory, with the radio pumpin’, ipod plugged in, windows down. And then – bam! – 7.9% apr. Hell no. That’s just ass-rape, I’m sorry. Our mortgage is lower than that, by a lot.  I was angry at the bank for not telling me “Oh you got approved for your loan at so-and-so perecentage and that would make your monthly payment blank.” Wouldn’t that have been the responsible thing to do? I know I should have asked but still. Not as professional as I would have hoped.

So today I have to go to the campus bookstore to submit Spring book orders. And then basically, I am waiting. Since I am boycotting the fourth floor and NOT going up there for any reason, I will be sitting in my office, waiting to hear from the bank. Oh, and I have a student conference at 2.

So yeah, I have a long boring day ahead of me so any nice little comments would brighten it up.

Happy almost Friday day.