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Is there anything more ridiculous?

Regular Contributor

Is there anything more ridiculous?

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. Smiley Surprised

 

Truly, crime doesn't pay. Smiley Frustrated

 

Anyone else? Any other utterly ridiculous black marks?

Costco TrueEarningsSallie Mae MasterCardDiscover itUS Bank Cash+Chase SlateBlue Cash EverydayFidelity VisaTU-803/EQ-808/EX-800
Message 1 of 18
17 REPLIES
Moderator Emeritus

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?

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 18
Regular Contributor

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.

Costco TrueEarningsSallie Mae MasterCardDiscover itUS Bank Cash+Chase SlateBlue Cash EverydayFidelity VisaTU-803/EQ-808/EX-800
Message 3 of 18
Regular Contributor

Re: Is there anything more ridiculous?

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

Message 4 of 18
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 18
Regular Contributor

Re: Is there anything more ridiculous?

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

Walmart Discover TU08 FICO 12/07/15: 767 PSECU EX V2 FICO 12/05/15: 735
AMEX EX08 FICO 12/19/15: 778 PenFed EQ NG2 FICO 12/01/15: 717
Message 6 of 18
Regular Contributor

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.

 

Message 7 of 18
Moderator Emeritus

Re: Is there anything more ridiculous?

And stay away from other miscreants.  Smiley Wink

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 18
Epic Contributor

Re: Is there anything more ridiculous?

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

Message 9 of 18
Regular Contributor

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." Smiley Surprised

Costco TrueEarningsSallie Mae MasterCardDiscover itUS Bank Cash+Chase SlateBlue Cash EverydayFidelity VisaTU-803/EQ-808/EX-800
Message 10 of 18