It is amazing what they don't tell you . and honestly, if you had gotten bill, you would have done something about it. crazy
Spike's Bitches 28: For the Safety of Puppies...and Christmas!
[NAFDA] Spike-centric discussion. Lusty, lewd (only occasionally crude), risque (and frisque), bawdy (Oh, lawdy!), flirty ('cuz we're purty), raunchy talk inside. Caveat lector.
Credit reports are being used against people for things where it shouldn't matter, like applying for jobs and stuff.
Really?
worry worry worry
But listen to Plei, Aimée, and find out what resources can help you with this.
Oh, Aimee, that's awful and horrible and wrong. I've been blindsided by debt (though I could understand why I didn't know about ours, I don't get why no one bothered to, oh I don't know, send you a bill) and it's just full of badness.
Plei is wise.
Really?
My company does, but I've never heard of them not hiring someone a job just because of a bad credit rating, but they do look at it.
I'm pretty sure that banks have not given me jobs because of my credit rating. The justification is that someone with a bad credit rating is more of a theft risk.
Jilli, I wouldn't worry about it. You don't have bad credit, just a lack of anything much at all.
Well, I just paid the $20 and the woman I spoke to said if I sent a letter, they might remove the negative credit item.
Jeebus.
My SiL advocates calling the creditor and telling them you'll only pay if they remove the black mark. That might work with the $1600 if you can work out some sort of installment plan. Maybe.
And I just remembered the time my sister was getting calls from collection agencies over $1.85. $20 almost as silly. Though they apparently saved on collection costs by not mailing a bill.
I shake my head sorrowfully at them.
When we moved to Brazil, I forgot about two bills - one for $37 and one for $19. I didn't find out about them until we were turned down for a loan. I think it's mostly resolved now, but it was so frustrating to be turned down for something so small.
Aimee, I don't want to get all in your business but it seems that you might have some recourse if there was a judgment against you and you never had notice. I know it's probably easier to just leave it, but it might be worth the battle, especially because it's so much.
When I went to see that really stressful lactation consultant, she tried to get me to use the SNS for Ellie. That was the "your baby will starve if you don't use this" part of the consultation.
(can I just say how glad I am to hear about another baby sleeping with her parents? I'm not sure why I'm so self-conscious about this but I'm glad to know other parents I like are doing it.)