I got my credit reports in 2011 and disputed the fuck out of the things I didn’t want on there anymore
I thought 2 things were actually not supposed to be on there. When I was pregnant and for 2 years after, I had insurance that was free for me. ACCCHS (I think?) is what it is called in Arizona. During those years, I had a few different X-rays done at this place Sun Valley Imaging, that were all covered completely by my insurance. I saw that place on my credit report and FREAKED OUT (yelled at my screen) and looked at the first date I could find related to those 2 accounts, and sure enough the dates were from that time. Motherfuckers trying to get paid twice. No, not on my dime (your dime) So, with no ”advisor” or the help of FreeCreditReport.com, I disputed them. And in like less than a minute, those were submitted. I then saw that the dates my accounts were showing were the dates that they were turned into collections, YEARS after the original X-ray appointments. Yeah, totally my responsibility and I screwed that shit up. So, I thought a minute and decided that I was not the first person that has messed up dates, with that kind of fucked up system of them showing dates that were not from the X-ray appt. What’s the worst that could happen to a ditzy girl that didn’t understand their CRAZY website, anyway? I was about to leave it be and THEN the website warns me that I could not dispute more transactions until these were resolved, and was I sure I didn’t want to dispute some more? Well, shit, probably some things were wrong because companies have millions of customers and there is no way they get that shit perfect every time….and some other thoughts along those lines were now consuming my brain and FUCK IT, I disputed EVERY SINGLE THING THERE, except one. I have no idea why I left that one, I guess in my head, it made me seem legit. I submitted that shit and was told that 30 days from then they would reach their decision. Apparently, when you dispute your entire credit delinquent history, minus the one thing, it’s standard for TransUnion to place a Fraud Alert on your credit report, which when you have no idea what that means, is MORTIFYING if you maybe knowingly were *accidentally* breaking a law or 9. Turns out, it’s just a big badass way of them telling other companies to actually check your ID when they are dealing with people who say they are me. So, anyway, 30 days flew by and the decision was in my inbox, bright and early that next month.
The email had a link to click through that took me to the TransUnion website. They showed me a page that looked like my old credit report, but with new ADDED info on each different account (saying things like ‘deleted’ and ‘account closed’) and then I was given the option to view my NEW CREDIT REPORT. I clicked ‘yes’, the next page loaded, and there it was…….that ONE FUCKING THING I DIDN’T DISPUTE, sitting there alone, expecting me to pay for it. It comes of in 2015 if I don’t pay. It’s $120 even.
I think I’ll pay that one. First I’m calling that creditor and seeing what kind of total they come up with to pay it off, I hear they take money off sometimes……….
