Jump to content
View in the app

A better way to browse. Learn more.

Surly Horns

A full-screen app on your home screen with push notifications, badges and more.

To install this app on iOS and iPadOS
  1. Tap the Share icon in Safari
  2. Scroll the menu and tap Add to Home Screen.
  3. Tap Add in the top-right corner.
To install this app on Android
  1. Tap the 3-dot menu (⋮) in the top-right corner of the browser.
  2. Tap Add to Home screen or Install app.
  3. Confirm by tapping Install.

Featured Replies

My idiot credit union has now made two false reports of me having a delinquent account with them.

I've called them and they have no idea where the report is coming from. They sent a report of good standing but one month later I got another delinquent notice from transunion.

I've filed a dispute. Should that be enough or is it lawyer time? This bullshit has already dropped my credit score over 100 points.

Edited by MissingInAction

I didn’t know that a credit score could go negative.

5 hours ago, MissingInAction said:

My idiot credit union has now made two false reports of me having a delinquent account with them.

I've called them and they have no idea where the report is coming from. They sent a report of good standing but one month later I got another delinquent notice from transunion.

I've filed a dispute. Should that be enough or is it lawyer time? This bullshit has already dropped my credit score over 100 points.

File the dispute and send TU the letter from your CU.  That should clear it up.

  • Author
1 hour ago, luke duke said:

I didn’t know that a credit score could go negative.

Ha! Hey man I got it up to 775 before this bullshit happened.

Don't make me post my pay stub.

Edited by MissingInAction

14 hours ago, MissingInAction said:

Ha! Hey man I got it up to 775 before this bullshit happened.

Don't make me post my pay stub.

I assume your real question is whether we will contribute to your Go Fund Me to support this lawsuit.

  • Author
51 minutes ago, Bevo said:

I assume your real question is whether we will contribute to your Go Fund Me to support this lawsuit.

Don't forget the wreath.

21 hours ago, MissingInAction said:

Don't make me post my pay stub.

Only if it is accompanied by pics of how much you can lift, bro.

On 2/24/2022 at 2:36 PM, luke duke said:

I didn’t know that a credit score could go negative.

You’re not married, are you?

Had this happen with a mortgage a while back. Total pita.

Got it solved but I was absolutely about to sue them in small claims court. And file a complaint with their state AG.

Both of those are things that will get attention from higher ups.

You don’t want to be a sub 700

Sue them for the punitive damages that they're giving you. 

Take ownership of your money and put it in a bank.

Any surly law dogs want to take the case?

My understanding is this is why small claims court is good. No lawyers allowed and it will force them to have to respond just like any lawsuit.

You aren’t trying to win any damages but just to get them to pay attention to your issue. B law prof in grad school claimed this was a great way to get whoever company to take notice.
11 hours ago, tbone_ said:

You don’t want to be a sub 700

Once you don’t need to borrow money you don’t care. 🙂

Bernard

11 hours ago, tbone_ said:

You don’t want to be a sub 700

I don't want to be a lot of things. 

Once you don’t need to borrow money you don’t care. [emoji846]
Bernard

Bs. Don’t be a deadbeat. Honor your obligations.

 

 

Not only should OP sue, he should put the system on trial!

 

And at some point during the proceedings, he should strenuously object!

 

 

17 hours ago, tbone_ said:

My understanding is this is why small claims court is good. No lawyers allowed and it will force them to have to respond just like any lawsuit.

Lawyers are allowed, just not required.  Corporations hire attorneys, even for JP cases.

22 minutes ago, Jerry Callo said:

Lawyers are allowed, just not required.  Corporations hire attorneys, even for JP cases.

Yeah, and I believe violations of the Fair Credit Reporting Act are exclusively federal court.

As I proposed it, the strategy isn’t to adjudicate anything but just to get someone to pay attention to your issue

On 2/28/2022 at 9:38 AM, tbone_ said:


Bs. Don’t be a deadbeat. Honor your obligations.

You seem to have missed my point. You can’t be a deadbeat if you owe nothing.

Bernard

You seem to have missed my point. You can’t be a deadbeat if you owe nothing.
Bernard

Also bs. You still have a credit score whether you have debt or not. And you don’t want a low one. So pay your bills smart guy.
2 hours ago, tbone_ said:


Also bs. You still have a credit score whether you have debt or not. And you don’t want a low one. So pay your bills smart guy.

I never claimed my credit score doesn’t exist. I’m sure it does. I’m sure it’s excellent. It can be zero for all I care though. I have no debts and don’t envision ever needing to go into debt.

We agree on “don’t be a deadbeat” and “honor your obligations” and “pay your bills’’.

Bernard

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

Configure browser push notifications

Chrome (Android)
  1. Tap the lock icon next to the address bar.
  2. Tap Permissions → Notifications.
  3. Adjust your preference.
Chrome (Desktop)
  1. Click the padlock icon in the address bar.
  2. Select Site settings.
  3. Find Notifications and adjust your preference.