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So as I previously mentioned, I am faced with an imminent move a few states away due to my SO's job situation. This is necessary for a few reasons. Our lease is up in August, and they want us to renew for at least 9 months. We were initially okay with this, however, the USPS encoding center she works for is closing next year and they are trying to clean house ASAP to reduce the workforce as much as possible. What they have been doing, since they are required to find jobs for their vested employees, is sticking people in positions they know those people won't be able to do, causing them to quit entirely. They have to find jobs, if they stick someone in a place they aren't suited for, too bad. If we wait 9 months, this will no doubt be the case with her, as her employer has already started doing this. We have this opportunity for Salt Lake City, where she has already verified employment will be guaranteed and she can literally start at the beginning of any pay period. Plus, this stands out among the other currently available options because they will pay the moving expenses, plus one month's rent, plus 60 days of a storage unit rental.
That is to say, they will pay those expenses.... eventually. We have to pay them first, then they reimburse us. As we don't exactly have a few thousand bucks laying around to cover the move, we looked into a loan she had been pre-approved for in the amount of $6000. It was a good option, we could pay off some outstanding bills here along with the move. But, when she went to the office, they decided her rent is too high for her income because they wouldn't accept the fact that she only pays half the rent while her sis pays the rest. We tried adding sis to the loan, but her credit is about as bad as mine, and it was still a no-go.
Yesterday, we decided to try a credit union that I'd used for previous car loans and never had an issue with. They had no problem adjusting the total rent by half, her credit score was fine, and it all looked good. Today they called us back after getting the verdict from whatever all-powerful being handles the loans at their central office. They declined, saying that there wasn't enough payment history on the SUV we got 2 months ago. The SUV we got because we knew this move was happening sometime within the next year and needed for transporting the whole family. Never fucking mind the 4 years of payments on the vehicle she'd been leasing before this one, with not a single missed payment. Never mind that we were perfectly happy to set up the loan with bi-weekly payments rather than monthly payments. Never mind her credit report, which shows she hasn't had problems with paying loans in the past. That is goddamn asinine.
So now I feel completely useless. My credit was destroyed with the whole, divorce then being stuck with most of the debt then the bank illegally taking my house. So I can't contribute anything there. When I weighed all my options, the only thing I could think of that would help was for me to leave and try to figure out some way to afford to live on my own, as I can't help bring in much money right now and I can't help get a loan approved, and I'm basically just one more expense the household doesn't need. She wouldn't have it though, saying I'm part of the family and am not going anywhere.
I've thought of one thing I can try to do, though everything I've ever read and been told about it is woefully ill-advised. I have 2 retirement accounts. An IRA I set up when I got my job at the prison, and one the state set up for me that I never asked them to but they do for all state employees. I'd like to find out about getting that money, at least for the automatic one my employer did. It's my fucking money anyway. But then I'd have to deal with tax hell, and I'm in enough hot water with the IRS thanks to my ex claiming all 3 kids two years in a row against the court's orders. But the benefits could outweigh the headaches that would follow. Hell, when I quit the prison I have the option to cash that damn thing out anyway, I just have to wait 31 days after my last day. Then 4 weeks for them to process my request. And I don't have that kind of time. We've pretty much exhausted our options here. And given the fact that I'm currently out of work due to a medical issue (my back injury), I could apply for a hardship to get into my retirement account, despite all the times I've been told I should never, ever do so.
That is to say, they will pay those expenses.... eventually. We have to pay them first, then they reimburse us. As we don't exactly have a few thousand bucks laying around to cover the move, we looked into a loan she had been pre-approved for in the amount of $6000. It was a good option, we could pay off some outstanding bills here along with the move. But, when she went to the office, they decided her rent is too high for her income because they wouldn't accept the fact that she only pays half the rent while her sis pays the rest. We tried adding sis to the loan, but her credit is about as bad as mine, and it was still a no-go.
Yesterday, we decided to try a credit union that I'd used for previous car loans and never had an issue with. They had no problem adjusting the total rent by half, her credit score was fine, and it all looked good. Today they called us back after getting the verdict from whatever all-powerful being handles the loans at their central office. They declined, saying that there wasn't enough payment history on the SUV we got 2 months ago. The SUV we got because we knew this move was happening sometime within the next year and needed for transporting the whole family. Never fucking mind the 4 years of payments on the vehicle she'd been leasing before this one, with not a single missed payment. Never mind that we were perfectly happy to set up the loan with bi-weekly payments rather than monthly payments. Never mind her credit report, which shows she hasn't had problems with paying loans in the past. That is goddamn asinine.
So now I feel completely useless. My credit was destroyed with the whole, divorce then being stuck with most of the debt then the bank illegally taking my house. So I can't contribute anything there. When I weighed all my options, the only thing I could think of that would help was for me to leave and try to figure out some way to afford to live on my own, as I can't help bring in much money right now and I can't help get a loan approved, and I'm basically just one more expense the household doesn't need. She wouldn't have it though, saying I'm part of the family and am not going anywhere.
I've thought of one thing I can try to do, though everything I've ever read and been told about it is woefully ill-advised. I have 2 retirement accounts. An IRA I set up when I got my job at the prison, and one the state set up for me that I never asked them to but they do for all state employees. I'd like to find out about getting that money, at least for the automatic one my employer did. It's my fucking money anyway. But then I'd have to deal with tax hell, and I'm in enough hot water with the IRS thanks to my ex claiming all 3 kids two years in a row against the court's orders. But the benefits could outweigh the headaches that would follow. Hell, when I quit the prison I have the option to cash that damn thing out anyway, I just have to wait 31 days after my last day. Then 4 weeks for them to process my request. And I don't have that kind of time. We've pretty much exhausted our options here. And given the fact that I'm currently out of work due to a medical issue (my back injury), I could apply for a hardship to get into my retirement account, despite all the times I've been told I should never, ever do so.
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