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ironymaidenemail this evening from the bitchiest credit bureau: your credit score has increased! 154 points. reader, i wept.
no human i contacted got back to me, but apparently i won the dispute. i don't know if it was submitting my driver's license, my contacts with the collection agency, or the kind lady at the ambulance company, but i checked and i've been cleared at all three credit bureaus.
so yeah, that one bad line took me from Excellent to Fair in one blow. i'm not quite back to my previous score, but close enough. the takeaway here: if you do run into money trouble, make a payment plan with your creditors right away. don't let anything go to collections - it will overwhelm years of spotless history.
no human i contacted got back to me, but apparently i won the dispute. i don't know if it was submitting my driver's license, my contacts with the collection agency, or the kind lady at the ambulance company, but i checked and i've been cleared at all three credit bureaus.
so yeah, that one bad line took me from Excellent to Fair in one blow. i'm not quite back to my previous score, but close enough. the takeaway here: if you do run into money trouble, make a payment plan with your creditors right away. don't let anything go to collections - it will overwhelm years of spotless history.
no subject
Date: 2023-02-04 07:02 pm (UTC)no subject
Date: 2023-02-04 08:10 pm (UTC)Seconded. You shouldn't have had to do it, but I'm glad that doing it worked this well.