Vantagepoint34
Master Don Juan
What's a good website to check all three credit scores for free?
"I just moved here from Florida."
That sentence contains at least five follow-up questions she WANTS you to ask. Where in Florida? What brought you here? How long have you been in the area? What do you miss? How does it compare to here?
She handed them to you on a silver platter. And you said, "Oh cool. I come here every week. I love this band. Ummm... pretty crowded tonight."
She smiled politely. Nodded. And never texted you back.
I was that guy for years. Talking too much. Listening too little. Panicking about my next sentence while she was literally feeding me the answers.
Then I found 22 rules that fixed the whole thing. Rule number one: shut up and listen. She'll tell you exactly what to say.
Checking credit score
- Thread starter Vantagepoint34
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"You'll Never Feel READY to Walk Over"
Next Monday you'll feel more confident. After the gym you'll feel more confident. After one more drink you'll feel more confident. After you get a better haircut, a better jacket, a better job.
You've been "getting ready" for two years.
She's standing ten feet away right now. She'll be gone in four minutes. No amount of preparation will manufacture the courage that only comes from moving your feet.
Walk over. Stumble through the first sentence. Let it be clumsy. Let it be imperfect. You will feel more alive in those ten seconds than you have all month.
Vantagepoint34
Master Don Juan
The reason I'm asking is because this company called Tmobile and apparently says I owe them 900$ from 2009 and now the collection company supposedly took over the debt. How come Tmobile never did anything or reported anything until this year?
Serialized3
Master Don Juan
The legit free one - https://www.annualcreditreport.com/cra/index.jsp
Check your state's law, but many states have a 4-year statute of limitations on most consumer debts. You can't be sued for an old debt after the statute of limitation runs out. Additionally, you have to be served a notice that you are being sued. If you move around, don't inform banks of your current address, etc., you can pretty easily prevent proper service of notice until the lawsuit dies a year or two after it was filed. If you were never properly notified of a lawsuit, any judgment can easily be vacated (wiped off the books) if you do so within your state's time limit after you learned there was a judgment.
A negative item must be removed from your credit report after 7 years, while positive items must stay for 10 years. Which means, no matter how rotten your credit is now, there'll be a sweet spot of beautiful credit 7-10 years after your last baddie appeared on your credit reports.
A negative item must be removed from your credit report after 7 years, while positive items must stay for 10 years. Which means, no matter how rotten your credit is now, there'll be a sweet spot of beautiful credit 7-10 years after your last baddie appeared on your credit reports.
Then you ask for proof of debt. You give them not one cent in return. Any money you give them, even a penny, is admission of debt.vantagepoint said:
You ask for proof. Once you have that, then you can go further. If you really did have the debt, then you can negotiate with them. They buy that debt for maybe $200-300 max and hope to collect the full $900, so that gives you plenty of wiggle room.
"She Made Her Decision Before You Finished Your Sentence"
Three seconds. That's how long it took. Your shoes. Your posture. The way you held your drink. Whether you looked at the floor or looked at her.
She already filed you away. Interesting. Boring. Safe. Bold. Before you even opened your mouth.
Everything you say after that is just her confirming what she already decided.
So stop rehearsing lines. Fix the first three seconds. Stand tall. Look up. Smile like you mean it. Walk like you belong wherever you're standing.
The words come later. The impression comes first.
Vantagepoint34
Master Don Juan
Thanks that didn't even come to mind. They called me during a fourth of July bbq and the last thing that was on my mind was a collection company. Will be asking them for proof of debt next time that comes around.Alle_Gory said: