Credit Scores

     Credit scores decides so much for us in a world where you always seem to have some sort of debt. From purchasing a car or home to applying for a new credit card. My medical debt is going to destroy my current score and I don't know if I will ever be able to recover from it. 

    The medical debt was sent to a debt collector agency who has hounded, threaten, and hassled me to death.  I requested a payment plan to be made at a decent set price not the $580, $432, and $518 payments they are requesting on the three different bills. The gentleman that called this morning said my payment of $285 for this month wasn't enough. Honestly, I think they should take any payment made and be happy. It's still paying toward the overall debt. 

    He threatened to put it on my credit report. This really upset me and honestly I have worked so hard to get my score where it is. I thought they couldn't do that unless you haven't paid anything toward the bill? I will be doing some research to see if his threats hold any value. 

    Credit Scores is a way of sorting society into sections. Those with better scores get the best finance percentages tacked on to their accounts. Even using Credit Karma, it has taken me four years to get in the 700 range. I'm absolutely heart broken to see it plummet. Maybe he is wrong. A payment is a payment. 

Comments

Post a Comment

Popular posts from this blog

The Teacher's Lie by Brid Cummings

     A book review at its finest. I think every book is worthy of a review, so here goes nothing. I think the overall story is worth your time, however, I feel like the person who read it aloud on audible did the book dirty. Her accent and weird pausing in the middle of sentences really threw me off as a reader. I actually went back and purchased a paper copy. The author kept me guessing throughout each chapter, but the book was slow moving. I would put it down often to just take a break.      I would give this book a 3 out of a 5 due to the pacing and sequencing of events in the plot. Do not listen to it on  Audible, because it's terrible and dry.  
Read more

LGFCU to Civic Bank

      This transition or merger has driven me absolutely crazy. I hate it and cannot even fathom how everything will work out. As a customer, I'm so annoyed and the lack of answers by actual people is ridiculous. So, I guess it will be only online banking? With school, a toddler, and a small farm I have not had the chance to move everything over to a different bank. It wouldn't matter anyway, because I have a loan through them that will transfer to the Civic bank.      Ahhhh!  Today, our cards stopped working and I was so upset. I had forgot and didn't get money out of the ATM beforehand. They forget that some of us are over 30 minutes away from the nearest town! I guess cash is really KING! I just home all my automatic withdrawals don't mess up along with everything else. I have no idea how older people will get through this phase. Both my mom and grandmother don't even use computers and can barely operate their phones. Both of them have never even us...
Read more

Counting

      Counting on something is just another way to set yourself up. Each year I do this and you would think that I learned from the previous year's mistake, but NO I didn't. So here we are again sitting down here at the pout house thinking about how we are going to rebound from my expectations. Money can be made again and future planning will be taking place.           I will have to count my losses fully take responsibility for the fact that our egg production just cannot keep up with the demand. I will have to pay back a few people because I cannot fill their orders. Egg production drops during the winter months.  I know the ladies I work with will just want to barter for something else. Maybe once we get ducks that can be a trade off. I do not know a lot about ducks and will have to do some extensive research. We do have a small pond on the premises and that will fill some of the needs.          Any pointers o...
Read more