I have been thinking recently of what type of person I would characterize myself in terms of dealing with the credit repair process. I have this undeniable hope that everything will be fine. All of my negative entries will fall off eventually with the proper processes and I will end up with a great credit score. But then I start to think, "What if it doesn't work out like that? What if I need to do extra work to get there?" I then, almost immediately, start planning the next steps just in case things don't work out like I planned. So, what do I characterize myself? Is there even a name? I then read this article on the Debt Roundup Blog that I believe characterizes me to a tee. It's called, "The World Through the Eyes of a Defensive Pessimist". It's a great article that describes what a defensive pessimist is and how they interact with the world.
Wikipedia has a great definition:
Defensive pessimism is a cognitive strategy identified by Nancy Cantor and her students in the mid-1980s. Individuals use defensive pessimism as a strategy to prepare for anxiety provoking events or performances. When implementing defensive pessimism, individuals set low expectations for their performance, regardless of how well they have done in the past. Defensive pessimists then think through specific negative events and setbacks that could adversely influence their goal pursuits. By envisioning possible negative outcomes, defensive pessimists can take action to avoid or prepare for them. Using this strategy, defensive pessimists can advantageously harness anxiety that might otherwise harm their performance.
I am this way 100%. When it come to credit repair, and many other things, I am constantly worried that I will get a negative response to the letters I have sent out and I am constantly asking the what if questions. In response to that fear I am in a never ending search for the next letter I will have to send out or action I will have to take in response to that negative response. I want to feel 100% secure that I have a plan for the next step if anything were to happen.
Now I don't want to say that I am that way with everything that I do. There are days that I just wing it and go with the flow. Those are days, though, that my brain needs a break and I am ready to relinquish control for awhile. And I get great pleasure watching my loved ones or my subordinates at work take charge like I normally would and make it a successful day. Most of the time I am that way, though. Especially with the most important things to me. I do not want to leave anything to chance. It just makes life so much easier to have a response for as many possible outcomes as I can think of.
I my mind, I believe that my credit repair process is so important to achieving the goals I have in life (both short and long term) that I am in a constant state of thought until I figure out what to do next.
So, what is your thought process about your credit repair journey? Comment below and let us know.
And the Saga Continues...