I started my journey with credit building back in 2008 and now in the 700 range, a new car, a discover card too.
I recently had a problem with moving and my utility company decided to do a charge off even though I had been in a payment plan that they setup. Since I moved from one state to another they said the two states are different companies and they dropped the payment plan.
I called them to discuss and nothing or no one gave a crap nor did they care if it was there mistake.
I wrote them letters to both state companies and one of them replied that they wouldn't do anything and it was my problem to deal with and will fall off in 7 yrs.
Then not 20 days later I had a collection agency for Direct TV attack my report and I never got a letter to DV against them nor have I heard from Direct Tv since 2006.
Imagine how I felt with a 50+ point drop after all my hard work over these years.
I decided it was time to step up against these companies, I filed suit in the courts about 2.5 weeks ago and the other day I got a call from both companies asking to settle and even offered to pay my court costs.
My score is back to where it was and I'm moving on but I just wanted to let the community know that when all else fails, filing suit is the only way to go and it works.
Don't give up persistance pays off.
