Quiz
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| What American accent do you have? Your Result: The Inland North You may think you speak "Standard English straight out of the dictionary" but when you step away from the Great Lakes you get asked annoying questions like "Are you from Wisconsin?" or "Are you from Chicago?" Chances are you call carbonated drinks "pop." | |
| North Central | |
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| Philadelphia | |
| The Midland | |
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| What American accent do you have? Quiz Created on GoToQuiz | |
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angryOkay, I went to refinance my car today and was told my credit rating was down because I.S.A.C. (that is Illinois Student Assistance Commission, they run the student loans thru Illinois where I went to school) was reporting an "I-5" entry on my credit that I was behind in excess of 120+ days on my loan..... Which is completely BS at this point.......I was and have been behind in the past, but I am current as of this time, and it has been at least 2 years or more since I have missed a student loan payment...... I called them and they said it would stay on my credit for 7 (SEVEN!) years! How the hell can they get away with this? Isn't there some fairness in reporting law? Can I call the credit bureaus and debate the truthfulness of this and get I.S.A.C. banned from reporting bad credit based on their fraudulent reporting policies????? I called ISAC and got shuffled all over hell until I got someone's voicemail where I left a nasty voicemail, and of course they have not been in any rush to call me back.......So, how the hell is this fair when I am being honest and forthcoming with them and paying my bill every month faithfully for over two years??????? I appreciate any help from anyone working in the credit or loan fields in advance....
One of the moderators left me THIS:
This is how credit works, dipshit.. Any mistake you make stays on your record for seven years, so that prospective lenders can see how good you've been in the past. Just because you're keeping up repayments now doesn't necessarily make you a good customer, and your past record is still relevant.
There's nobody you can complain to, because this is how credit files function, applications for credit that you sign include sections that allow those companies to report to credit reference agencies.
In short - quit whining, get over it, this is how the world works. Oh, and if you want this post to still be here in five minutes, change to a normal font size.
My Response to him is:
1) Go Fuck yourself with a large dildo. Obviously no one else will, asshole.
2) I didn't see anything in your communities rules as to font size, style etc.
3) As far as the content of my complaint goes, I am just stating, more or less, that I believe credit report information should be CURRENT. Look up the word CURRENT in the dictionary if you are smart enough to figure out what one of those, dipshit.
4) I am very fucking happy for you that, based on your attitude, you walk on water and have never had any tough times in your life and had to chose between making a loan payment, and say EATING? Fuck off you gutless wonder....... Oh well........So much for posting and looking for a reasonable answer to a question from an LJ community......I should have known better.....Every time I have ever posted to anything other then my own journal on this thing, it has ended up in a flame war.....
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