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Contributor
Posts: 84
Registered: ‎03-08-2011
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Is there anything more ridiculous?

[ Edited ]

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. ...

 

Except. ...

 

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. :smileysurprised:

 

Truly, crime doesn't pay. :smileyfrustrated:

 

Anyone else? Any other utterly ridiculous black marks?

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Posts: 12,952
Registered: ‎04-15-2011
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Re: Is there anything more ridiculous?

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?


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Contributor
Posts: 84
Registered: ‎03-08-2011
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Re: Is there anything more ridiculous?

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.

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Re: Is there anything more ridiculous?

I think Seattle is notorious for jaywalking citations, isn't it?

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Posts: 12,952
Registered: ‎04-15-2011
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Re: Is there anything more ridiculous?

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.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
Posts: 188
Registered: ‎11-07-2007
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Re: Is there anything more ridiculous?

LOL, that's quite hilarious that they actually refer to you as a miscreant in their notes...

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Regular Contributor
Posts: 169
Registered: ‎10-11-2007
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Re: Is there anything more ridiculous?

The lesson to be learned from this is, when you get a jaywalking fine, pay it fast.  Run, don't walk, to the clerk to pay it.  But be careful where you run.

 

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Posts: 12,952
Registered: ‎04-15-2011
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Re: Is there anything more ridiculous?

And stay away from other miscreants.  :smileywink:


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
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Posts: 22,406
Registered: ‎01-17-2008
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Re: Is there anything more ridiculous?

Whoa, EX actually stated that on their report?  Somehow that does not seem professional.

Contributor
Posts: 84
Registered: ‎03-08-2011
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Re: Is there anything more ridiculous?

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." :smileysurprised:

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