[Hedwig]

Hi, I'm Hedwig and I'm also an addict. No, it's not AA, but maybe we should start a group for credit (or credit board) addicts.

I started reading at CreditNet about four or five years ago. We were refinancing the house and a chargeoff appeared on my husband's reports from a company called Coldata. I did a web search for them and found a credit board. I did some reading, and one day when I came back it had been made part of CreditNet. So I started reading there. I started with the first page and was going to read the entire board. At some point I started posting, then followed the current pages. I never finished the entire board.

After AoC was formed, I went there, and have posted on several boards since. When Qtip decided to reactivate this board as a replacement for AoC, I came here.

And the rest, as they say, is history.

As background, I went through some severe problems following a divorce. At some point I'll post details of how I paid off a lot of debt. I was fortunate to never be involved in a court action (from either side) and now my credit is very good. I was pretty well to the point that things were falling off before I found the boards. My husband had a BK about 15 years ago, and periodically something will pop up that shouldn't. Other than that, I'm here to help people from what I've learned either the hard way or by studying credit repair from multiple boards and dealing with lots of people over the years.

I have a background in business, so that viewpoint helps, too.