Me, talking to credit reporting agency rep: I’m looking at my report, and everything is up to date, but your website also says I paid something late recently–too recently to be on the report–but you still lowered my credit score. It won’t say waht was paid late, though. But I don’t know what could be wrong, because to my knowledge, I’ve paid everything on time. Can you tell me who is reporting I paid them late so I can deal with this?
Rep: I’m sorry, ma’am, without the exact business name and account number, I cannot give you that information.
Me: But, the problem is I don’t have that information. I don’t know who could be reporting it, because nothing was late! I already asked the accounts I could think of and they’re all fine! You can’t tell me who is reporting late payments? It’s MY report!
Rep: I’m sorry, but I am not authorized to disclose that information.
Me: So, it’s impossible for me to figure this out, because I can’t get the information from my own credit report. Great. Thanks.
So yeah, credit reporting agencies. Really helpful when you’re worried about sudden suspicious credit activity. It’s comforting to know I can read some call center guy in India all the intimate details of my life–social, address, DOB, etc.–and he can have a good long look at things on my credit report I can’t even see. That’s just…fucked.
Other things that are fucked:
This job listing, posted on a MEDIA job board. “Come, be our perfume counter girl! IF WE LIKE YOUR COVER LETTER! MUAHAHAHA!” Seriously? A cover letter and resume to be a perfume counter girl? What is the world coming to? I would see this as more of an open call interview, with on-site evaluation of your ability to ambush passersby while wearing a faux lab coat and Nine West heels, but okay.
This website for the Washlet. Just…watch the videos. What, a bidet isn’t good enough anymore?
i prefer my approach when dealing with creditors. i just ignore them. that’s probably why i’m still renting and have shitty credit.
Curses. Curses on the people with good credit!!
Living in New York has pretty much destroyed mine.
Sov and FBC: You know, I had shitty credit once, and it had just gotten into the realm of solidly good again. Now it’s shitty again and it ain’t even my fault this time. Curses! Let’s unite to overthrow the cruel reign of the credit reporting agencies!