Grass is always greener...
my gf moved home 2 days ago, it's a big 'ole empty kingsize.Jay wrote:
Wifey is gone until Tuesday night. Bored and lonely
i'm eating pringles in it and watching documentaries about black holes
Cosmology documentaries seem to be getting steadily dumber.
And don't start me on that simpering physics hipster, he just makes me angry with his "protons, so spooky, when you think about it" crap.
And don't start me on that simpering physics hipster, he just makes me angry with his "protons, so spooky, when you think about it" crap.
Fuck Israel
the bbc's documentaries are getting dumber across the board. not just in the 'rockstar scientist' mould but also in the 'let's make the arts trendy' school of thought, as well. it sucks. you used to get mega-series of erudition and huge scope several decades ago (thinking of stuff like civilization). nowadays it's shite. that's tv for you. i only ever watch it when i'm at my gf's, anyway.
I thank god I have Foxtel, so I can watch hillbillies and other feral trash scamming money off each other.
Fuck Israel
just a quick update for those who care (everyone obv)pirana6 wrote:
got my credit score back
290
whatchuknowaboutthat
turns out i had a whopping $91 (60 quid, 70 euroquid, 95 canadaquid, 99aussiquid) in collections since 2010. I know which company it is but I never knew i owed them and the neither them nor the collections agency has contacted me...
so thats fuckin awesome.
If you're being honest in that neither has contacted you, you could try to get in touch with your Attorney General office.
Well unfortunately I don't know that I can prove they haven't as I moved when I closed the account and didn't promptly change my address with the postal service (dunno if there's anybody else to register your address with?)
You could always try to talk the creditors down and explain the situation. If they miraculously believe you it could help in dealing with them at the present and later. In the future, I suggest electronic bill payment where possible and monitoring your credit score and bank account closely.
no but seriously, thanks. I'll see what i can do.
Washed two vehicles this evening, now its raining....FWP
Plus, I think I put too much vodka in my lemon tea drink tonight, buzzing just a bit.
Plus, I think I put too much vodka in my lemon tea drink tonight, buzzing just a bit.
you lost meCanin wrote:
too much vodka
As if there ever were such a thing. At least my back spasms have diminished.pirana6 wrote:
you lost meCanin wrote:
too much vodka
So I missed something when I originally looked at it and it turns out something IS in collections and has been for a while.pirana6 wrote:
just a quick update for those who care (everyone obv)pirana6 wrote:
got my credit score back
290
whatchuknowaboutthat
turns out i had a whopping $91 (60 quid, 70 euroquid, 95 canadaquid, 99aussiquid) in collections since 2010. I know which company it is but I never knew i owed them and the neither them nor the collections agency has contacted me...
so thats fuckin awesome.
When I closed my cable account at one of my apartments in college, evidently I still owed them money but they billed the old apartment where I no longer lived. Collections letters also went there (I assume). Anyway, it's now today and all this is over $91.
I've read it may be better to wait it off the 7-year limit (which means no loans or anything for the next half-decade). Or if I pay it it, I need to go through this huge process of getting everything in writing that it was paid then send that to the credit agencies to hopefully get it removed form the report. And even then it might not get removed, it'll just show it has been paid, and not only that, it will become a "recent" item and will start the 7-year wait over again as a PAID bill that was ONCE in collections.
I think it was my dad that said if I attempt to pay the actual company it was owed to, then go to the collections agency, tell them to review it, they'll obviously find it missing, then go to the credit agencies and they'll have nothing to report as it was removed from the collections agencies list of stuff I owe. This would remove it from my credit report entirely instead of having it on there as paid.
Is that the best solution? Do I need to get it in absolute writing that if I pay the original company (the cable company), they will drop the collections? Wouldn't they anyway?
So just an update. I called the cable company (it's time warner cable) and the guy I talked to sees my old account, but he sees that it's all paid in full. What I think happened is this: I paid off the last bill but kept the modem accidentally and never gave it back so they re-added the $91 for that modem. Since this was a month or two after I left that apt I never heard about any of this so the bills and ultimately collections went there. The guy at TWC thinks they didn't want to get into anything over $91 so they stopped worrying about it and wrote it off as a loss. The collections agency still has it in their system as owed.
My logic tells me that if I contact the collections agency and "lie" and say there's no bill there and never was, they'll (hopefully) look it up and see that I'm right then have to remove it and ultimately call it an accident (even though it wasn't). Then Ill have to tell the credit agencies that it was an "accident" they put it on there and it will get removed.
Does that sound likely? Or am I being to optimistic?
Last edited by pirana6 (2013-07-02 18:59:09)
You can always try. If it fails, you have to wait five years. No harm done.pirana6 wrote:
So I missed something when I originally looked at it and it turns out something IS in collections and has been for a while.pirana6 wrote:
just a quick update for those who care (everyone obv)pirana6 wrote:
got my credit score back
290
whatchuknowaboutthat
turns out i had a whopping $91 (60 quid, 70 euroquid, 95 canadaquid, 99aussiquid) in collections since 2010. I know which company it is but I never knew i owed them and the neither them nor the collections agency has contacted me...
so thats fuckin awesome.
When I closed my cable account at one of my apartments in Pullman, evidently I still owed them money but they billed the old apartment where I no longer lived. Collections letters also went there (I assume). Anyway, it's now today and all this is over $91.
I've read it may be better to wait it off the 7-year limit (which means no loans or anything for the next half-decade). Or if I pay it it, I need to go through this huge process of getting everything in writing that it was paid then send that to the credit agencies to hopefully get it removed form the report. And even then it might not get removed, it'll just show it has been paid, and not only that, it will become a "recent" item and will start the 7-year wait over again as a PAID bill that was ONCE in collections.
I think it was you that told me I attempt to pay the actual company it was owed to, then go to the collections agency, tell them to review it, they'll obviously find it missing, then go to the credit agencies and they'll have nothing to report as it was removed from the collections agencies list of stuff I owe. This would remove it from my credit report entirely instead of having it on there as paid.
Is that the best solution? Do I need to get it in absolute writing that if I pay the original company (the cable company), they will drop the collections? Wouldn't they anyway?
So just an update. I called the cable company (it's time warner cable) and the guy I talked to sees my old account, but he sees that it's all paid in full. What I think happened is this: I paid off the last bill but kept the modem accidentally and never gave it back so they re-added the $91 for that modem. Since this was a month or two after I left that apt I never heard about any of this so the bills and ultimately collections went there. The guy at TWC thinks they didn't want to get into anything over $91 so they stopped worrying about it and wrote it off as a loss. The collections agency still has it in their system as owed.
My logic tells me that if I contact the collections agency and "lie" and say there's no bill there and never was, they'll (hopefully) look it up and see that I'm right then have to remove it and ultimately call it an accident (even though it wasn't). Then Ill have to tell the credit agencies that it was an "accident" they put it on there and it will get removed.
Does that sound likely? Or am I being to optimistic?
I like pie.
- globefish23
- sophisticated slacker
- +334|6566|Graz, Austria
You can always flee to Moscow via Hong Kong.
cleared my cache, everyone has new avatars, I don't know who is who anymore.
shut the fuck up rick
no
Don't credit companies buy the debt? So, if the cable company took a loss and sold your debt for half of what you owed and wrote it off as a loss, they would show your account as ok...right? At this point it isn't the cable company that owns that debt. You likely have to deal with the credit company since they will continue to fuck your score until you pay up.
...
i have to reseat my cpu cooler was excited to finally get to use my computer sigh.
i remember when i had to do that. i put it off for ages. the heatsink i bought was retarded as well and took like most of a day to properly fit back on. rage. not even as if there are any games worth playing now that justify 'omgerd overclocking', either.
- globefish23
- sophisticated slacker
- +334|6566|Graz, Austria
Always remember:Cybargs wrote:
i have to reseat my cpu cooler was excited to finally get to use my computer sigh.
Thermal paste goes on the golden pins.