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i have been working on improving my scores for sometime now and i had a student loan that was on my report as being 120 days past due so i called talked to a very nice lady, kind of reminded me of my grandmother, she was completely understand and they removed everything. Funny part it was for a huge $0.92 yes they forgot to bill me for the last .92 and reported it as 120 days past due. So that took my pitful score of 500 up to 541. i just was approved for a military clothing store credit card which has a lifetime interest rate of 0% so im hoping having this and paying my car payment and students loans on time and early and making more than one payment a month on them will help improve my score also.
Starting Score: 643
ErikArizona wrote:Great work. I've found talking nice to people (creditors) helps. Odds are they've had issues in the past too and considering they probably get yelled at 10x a day someone being nice to them is a treat. People will respond and help you more (like removing your bad record).ErikArizonaI aggree 100%. With our hobby (is this a hobby?) being polite is big plus. You get a much better response.Although I do find myself screaming obscenities & physical threats at the automated answering services sometimes....Live Long and Prosper,ctRob
Message Edited by ctrob on 06-24-2007 08:03 AM
ctrob wrote:
ErikArizona wrote:Great work. I've found talking nice to people (creditors) helps. Odds are they've had issues in the past too and considering they probably get yelled at 10x a day someone being nice to them is a treat. People will respond and help you more (like removing your bad record).ErikArizonaI aggree 100%. With our hobby (is this a hobby?) being polite is big plus. You get a much better response.Although I do find myself screaming obscenities & physical threats at the automated answering services sometimes....Live Long and Prosper,ctRob
Message Edited by ctrob on 06-24-2007 08:03 AM
lmao
but BE CAREFUL... i must say i got my butt busted one time as i was cussing the "automated answering service"......i had called my insurance co about a claim, and every button i pushed connected me to yet another robot talking, so i lost my cool, said some ugly things not knowing that they could hear me, and when i did finally get a live person, the first thing she said to me was..."So, i understand you think I need to kiss your a** and afterwards I should go to he**"
but BE CAREFUL... i must say i got my butt busted one time as i was cussing the "automated answering service"......i had called my insurance co about a claim, and every button i pushed connected me to yet another robot talking, so i lost my cool, said some ugly things not knowing that they could hear me, and when i did finally get a live person, the first thing she said to me was..."So, i understand you think I need to kiss your a** and afterwards I should go to he**" OOPPPPPS!!!!!!!!!!!!!!!!!!!!
Message Edited by flygirl on 06-24-2007 10:24 AM
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