08-04-2013 06:23 AM - edited 08-04-2013 06:24 AM
If you were to peruse my three credit reports, you'd see a man who pays his bills. There's no derogatory information on any of them. ...
Experian: Collection account stemming from miscreant's failure to appear in court to pay a jaywalking fine for an incident near Safeco Field in Seattle.
Truly, crime doesn't pay.
Anyone else? Any other utterly ridiculous black marks?
08-04-2013 06:36 AM
You are a hardened felon. LOL... Don't know if I'm allowed to hang out around miscreants.
Yes, that's ridiculous, are you going to pay it?
08-04-2013 07:29 AM
Oh, I paid it a long time ago. But since the payment was to a collection agency, I don't hold out much hope for a goodwill letter.
The impact, at this point, is minimal. MyFICO shows my Experian score as 746, or some such. It just seems comically tragic, is all.
08-05-2013 02:55 PM
Send the GW letters, it works great on CAs. They have to take time and it costs them money to have to deal with these issues. Plus, sometimes it's just good business for them. It all depends on the CA. YMMV of course.
08-06-2013 03:34 PM
08-09-2013 10:32 AM
And stay away from other miscreants.
08-09-2013 11:19 AM
08-09-2013 11:27 AM
To clarify, Experian never called me a miscreant (at least, not to my knowledge). All Experian shows is that there's a collection from the CA hired by the City of Seattle. Sorry that wasn't clear from my original post.
I doubt I'll do anything about this one. Call me paranoid, but I have this uneasy feeliing that, rather than removing the blemish, the CA might say, "Oh, we missed a couple. We should tell TransUnion and Eloqua about this, too."
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