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Someone else's on-time mortgage payments were reported on my credit score for years after I turned 18. I ended up with amazing credit for it. These companies c
by heavyset_go 4y ago
Someone else's on-time mortgage payments were reported on my credit score for years after I turned 18. I ended up with amazing credit for it.
These companies can't even keep track of what they're purportedly supposed to keep track of, why should they continue to exist as they do today?
- eyelidlessness 4y agoI’ve had a few lucky mistakes in my credit favor, but nothing like that! It shouldn’t be surprising that you take such a principled position in light of that, but it is. Good show.
- heavyset_go 4y agoI figure it could have just as easily been a mistake that wasn't in my favor that I'd have to spend years sorting out to my detriment.
- systematical 4y agoI've had the opposite experience sort of. A company sold my home loan off as-is common and failed to close the account. They reported me as delinquent to the credit bureau. So I did the thing you are supposed to do, repeatedly contacting mortgage loan fools to inform them my account is in good standing (took three times) and of course filing a dispute with the credit bureaus. After having a credit score north of 700 for over a decade that was at 780 at its peak, my score dropped to around 600. I was horrified. It's been a year and it still hasn't recovered and is currently around 700 through no fault of my own. The only debt I've had since 2018 is home loans. Fuck them all.
- heavyset_go 4y agoThat should be criminal, or at least have some civil liability because I'm pretty sure you'd be able to prove damages. Insane that there's little to no recourse for this at all, and that none of the parties responsible for such an error will be held responsible for them.