27 and a PhD

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Credit scores

Welcome to my blog!

Hello there, awesome reader. My name is Dr. 27. I'm older than that now, but I'm staying faithful to the origins of the blog.

This blog started 2 months before completing my PhD in a pretty southern university back in 2009. It was a way to practice my writing and take a break from all things thesis. My PhD is in a branch of structural biology where I studied some rather impressive stuff.

After completing the degree, I packed my life of 6 years in 3 days and moved to Canada to do a postdoc in a completely different field. Two years later, and after attending a lot of seminars, workshops and doing some much-needed soul-searching, I ended up getting out and looking for an alternative path to academia and industry.

The blog chronicles my mishaps, ideas, musings and tips on entering, staying and finishing grad school. It also talks about some (or a lot) of personal stuff. For a while, the blog became a place to talk about the frustrations of not knowing what to do after PhD. I wanted to explore alternatives to the traditional paths of research (academia, industry and goverment) whilst going back to my field of training (if at all possible). Eventually a job materialized. Follow my quest as I navigate the waters of being a staff scientist at a core facility.

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IDK if it was due to financial reform or what, but most, if not all, credit card companies seem to be offering (soft check) credit scores these days. I have two accounts that offer such a feature, and thankfully they’re both from different companies (one is Experian, the other is TransUnion). So, as I slowly crawl out of debt, I get to see the impact of being on time all the time. I’m very lucky in that I have a job that allows me to do this. I realize not everyone has this privilege.

If  you’ve been following my story for a while, then you know how much I hated (and still hate) my previous job, and how my economic situation has been since I started blogging (back in 2009!).  I chose to get out of the tenure track back in 2010-11 and I haven’t looked back since. I’ve held 3 jobs, in 3 different places since then, and I finally feel like I’ve found a place I like and where I see myself staying for (hopefully) a long time.

As a consequence of reining in my spending and being a bit more careful with my money, I’ve been able to pay off 3 debts (all of them in 2016, after contributing steadily for years) and I’m on track to finish the two biggest (and last) ones this year.

Based on what I mentioned in the first paragraph, I check my credit score whenever I want. In July of this year, both Experian and TransUnion said I was in the 660 range (my credit score got SO bad due to what I mention here, that I was honestly considering filing for bankruptcy). It got down to 520 at one point, and I remember seeing the letter from my credit card company and just holding my head and saying no. Something had to change. Once I found out what my dad had done, I asked him to give me full control of the accounts. I negotiated some lower payments to keep the cash flowing into those debts, but at the time (2011-2013), I wasn’t able to contribute even the minimum. Lucky for me, the guy in charge of my accounts was kind and understanding and he was willing and able to work with me (thank goodness for credit unions … I can’t say the same for you Bank of America … I hope you rot in hell and I can’t wait to finish paying off my account just so I can call you and say you can shove your card, your interests, and lack of humanity up your ass). Like I said here:

If things continue as they are, I should be nearly debt free by the end of this year. I honestly can’t wait to see what happens. I’m currently sitting at 705 …  not great, but definitely better than 520 or 660.

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