||[Apr. 2nd, 2008|07:16 pm]
I arrived home yesterday at 8pm too exhausted to write this all up, and more has happened today.|
Ok... the saga begins. I'm not in any pain right now, except that it hurts to touch my wallet.
In order to fix up my broken tooth I attended a local dentist who strongly recommended that I have a crown fitted (artificial tooth covering). The estimate for the procedure (minus the Health Insurance cover) was $1,525. I've recently spent nearly $1,000 on my dyslexia glasses and roughly another $350 on the other recent medical expenses (my shoulder, and the fever that brought me down for nearly a month). The remaining $5,000 from my overseas holiday fund I'd put into a 12 month term deposit back in February, and I really don't want to void the interest if I can help it.
The dental staff offered me a very attractive 12 month repayment plan, however my application was immediately declined when my personal details were typed into the system. The same has happened for every credit card application I've ever made. This has never made sense to me because my credit rating should be spotless; I've never EVER been late with a bill payment, or my rent (even when my brother was trying to cheat me out of his share), and I'm not in debt to anyone. The only guesses I can make are the lack of assets such as a car and the fact that I'm paying an exorbitant amount of rent from my salary.
Every time I've made a credit application there's been no explanation, and I'm quite fed up with that so I've paid for a credit reference check. Hopefully that might provide an answer, but then again they might just say that I'm being turned down because I have no car and pay too much rent.
Meanwhile I have a tooth awaiting proper treatment and no finance to cover it. I'll be contacting the Health Insurance Company tomorrow to ask if they have a list of approved dentists who might be able to perform the work at a lower cost. I just hope they don't do a half-assed job of it.
I have to laugh when I consider that I gave my fursona a rather depressed live, but his would be nowhere near so bad as what I have in real life.