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Lifestyle and Entertainment I am not bovvered

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Old 3rd March 2018, 04:49 AM   #421319  /  #126
Zeluvia
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Read my posts with the following stupid accent: Evil Duckess
https://www.thebalance.com/how-to-re...-credit-960377

Here in Texas, there is also a law against medical debt being on your credit report.

Also, remember that debts that are sent to collections, especially small ones or old ones, are very UNLIKELY to be able to pull paperwork. Much of the transfers to collection agencies is done electronically, and then the company takes the write off, and the records get archived or go to storage. Most companies don't have a dedicated person to pull old records, and if they upgraded or changed their computer software in the time between the record of the debt and you contesting it, they may not be able to pull up the old computer records either....

It's a gamble, but heck, the worst thing they can do is actually manage to find the records ; )
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Old 3rd March 2018, 02:09 PM   #421333  /  #127
spruce
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Read my posts with the following stupid accent: Appalachia, CSA
I now have all my records, which let me tell you are pretty substantial, AND all my parents records, including a huge swath of old 78s. I think my favourite of all those is one by Spike Jones:



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Old 4th March 2018, 02:58 AM   #421415  /  #128
OmicronPersei8
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Read my posts with the following stupid accent: Gib's
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Old 4th March 2018, 03:16 AM   #421416  /  #129
rachmarie
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Read my posts with the following stupid accent: Buffalo, NY
I already did that step of disputing some things on the credit report including the one debt from pet insurance because I did not recognize the name on it plus I thought the pet insurance for both kitties had already been paid off since we took those policies out in 2015 so its almost 3 years ago. However they did get back right away saying it is a valid debt.

So instead I contacted them and found out that Banfield Hospital is the name of the company that works out of PetSmart stores, and I paid 10 bucks toward it. I will keep throwing 5 or 10 at it each month until I know I can put it on auto pay of 26.22 a month and do it that way.

To kill two birds with one stone, I plan on using my secured debit card to auto pay, then turn around and pay that in full before the interest kicks in every month to put some GOOD credit on my reports and bump up that score.
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Old 4th March 2018, 03:23 AM   #421417  /  #130
rachmarie
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Read my posts with the following stupid accent: Buffalo, NY
And they did clean things up a bit.

The funny part is Credit Karma gives you up to date info from 2 of the 3 big reporting agencies and one of them (TransUnion) has the Banfield Hosp in collections on it, and the Equifax one does not. There is almost 40 points difference in the two scores because of it.

Everything else is student loans period. I also do not have anything on the good side and that too affects my score. Hence the secured CC and buying something small on it monthly and paying it off monthly. My dad did that because he did not want to pay them a bit of interest, but had to sometimes put stuff on a credit card for business then get reinbursed from the company. So he would use the card, send in the receipts and pay the full amount every time before the grace period ended.

Got his score up over 800 doing that. And those CC companies were creaming their jeans trying to give him credit and get him to pay for bigger items so they could make money off of him lol.
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Old 6th March 2018, 04:47 PM   #421525  /  #131
Majiffy
I'll have you know I'm popular on many web forums
 
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Read my posts with the following stupid accent: Buffalo, NY
A right nutter, this one

If he hasn't gone far in the future from the present, how does he know about the volcanic eruption? The obvious answer is that it must be disasterously close. If so; why is he only "kind of bummed" when he's stuck during a time that's about to experience a catastrophic eruption?

Furthermore, shouldn't an archaeologist be studying the past, not altering it? Why is he warning people, necessarily altering the future from the one he hails from?

piss poor conspiracy, these people need to hire me to write for them
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Old 19th March 2018, 02:50 PM   #422265  /  #132
spruce
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Read my posts with the following stupid accent: Appalachia, CSA
Immigrants.
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