My networth is currently -$9,392. That's not including any cash in the checking account since that's technically the boy's income nor is it including what I owe to my mom for back rent from when I was unemployed the last time. It is including debts that aren't technically mine but that are in my name such as where we had to fix boy's car (he's paying it back to my card plus some). It's also including the amount that my old cell company claims I owe them that I still say I don't.

Speaking of that, I got a notice from the collections place saying they would be taking $320 and some change from my account on the 16th. Like hell they will. I didn't authorize that amount nor for it to be taken out on that date and I've already filed a claim through my bank for the last amount they overcharged. Oh, and I STILL have received no written documentation from them aside from this notice.
Saturday morning I will be going to close my current bank account and open a new one.
I also called the cell company and finally got them to agree to take the debt back on and let me handle it through them. I made it clear, without actually saying as much, that if they forced me to go through this credit agency they would not be receiving a single cent.

As far as at least one of the credit agencies is concerned there's nothing remotely bad on my credit report. It just shows my credit cards and that they've all been paid on time and I haven't paid less than what's due. So that's good.