You need to upgrade it apparently to get all three on one report. Without all three it is an incomplete picture. I always get the 3-1 for myself.

Unconscious shopping to reduce stress or relieve tension is a social exercise that many partake in and it is very common. Men tend to buy fewer items but bigger tickets while women tend to but smaller items but shop more often.

What we need to learn from the combined report is if the total unsecured debt you owe is affordable to repay at all. The IRS calculations for repayment will not factor in your unsecured obligations and might leave you in a position where you can’t deal with the credit card debt without bankruptcy.

The IRS position is that the fact that you others just isn’t their problem. They write the rules and they call the shots.

Steve

Thanks for the speedy reply.

I just purchased the 3-in-1 report, but the only agency on the report appears to be TransUnion. There was a $10 upgrade option for a “3 score” report, but I assumed the 3-in-1 would still give me all the pertinent details from the 3 agencies. Am I missing something?

In any case, the report is about 16 pages long. I’m open to sending it your way if it’ll help with the triage.

My wife didn’t just hide the debt from me, but from herself. Basically, what it all boils down to is that she didn’t want to feel hopeless. Been there, done that, and completely understand.

We’re dealing with this now though, facing everything head on. I’m sure she’ll gain a lot of confidence as we make measurable progress.

Thanks again!

Denny