I feel like singing from the rooftops.
I briefly mentioned it before, but my identify was stolen when I was 15 and used to open up a credit card to the tune of 7k dollars (eventually ballooning to over 10k with interest). Although I checked my credit report at 19 (after my college lost a laptop with scholarship students’ personal information on it) it wasn’t reported. The nightmare began when my parents received a letter several months ago saying I was being sued by a debt collection company. It was the first I’d heard of this credit card or this debt.
I started worrying how long this would take to clear up; all thoughts of buying a house before I turned 30 evaporated. I talked seriously with my SO that should it drag on longer than 3 years that we should wait to get married so he didn’t assume my (phantom) debt. He was worried as well, though he never doubted me and always assured me the truth would come out. My credit score was below 600; I was devastated. Aside from a $600 balance I briefly carried while I interned for Obama and quit my part time job in college I had been diligent with money - the queen of coupons and store specials and saving. Many nights I had trouble sleeping, wondering if we should “settle” simply to clear it.
Much handwringing and lawyering ensued to prove there was no evidence it was my debt.
Finally, at long last, a judge dismissed the whole case yesterday. The nightmare is over. I still can’t believe it.
So share your good fortune - any unburdening you’ve experienced lately.