Don’t forget the dead dog on the other side.

I’m pretty sure this is for people who don’t want to do that.

I’m pretty sure this is for people who don’t want to do that.

That Lenovo says i5 in the top of the listing, but when you go to product specs it says it’s an AMD A-series quad core.

That Lenovo says i5 in the top of the listing, but when you go to product specs it says it’s an AMD A-series quad…

Pay for delete is only for a collection, though. dreygata is talking about an open credit card showing a 30+ day late.

Yes. That’s the whole reason goodwill adjustments exist.

I would really push for the goodwill adjustment because this situation is pretty much why it exists. It is absolutely absurd to ding you for a $4 late payment. If they aren’t coming around by phone, Google goodwill adjustment letter and a lot of basic templates will pop up. Just adjust it to your situation and then…

They sent you to collections after 1 late payment for $4? Did you go 30+ days late? In other words, was the next payment also late? Because if it wasn’t, that makes no sense and it definitely should not be showing up on a credit report.

Oh ok, so you’re talking about a late payment on a CC, correct? That’s a completely different scenario than a collection. You want what is called a ‘goodwill adjustment’. Basically, you call or write to your credit card company and say, ‘I’ve been a good customer with consistent, on-time payments, but this one time I…

Ouch! That’s a big ding.

Every time you guys post that picture of a urine-soaked toilet a little part of me dies inside.

Every time you guys post that picture of a urine-soaked toilet a little part of me dies inside.

Agreed. The 7 years limit was just an arbitrary compromise in the first place, it’s not like there’s any real meaning or purpose behind the number. Plus, it’s worth noting that when that 7 year period was put into the FCRA 40+ years ago, credit scores didn’t even exist and the credit world was a much simpler place…

It’s because on-time payments carry a heavier scoring weight than outstanding debt. So even if you pay something off, it’s that 5 year history of not paying it off that’s dragging down your score, not the actual debt amount. It’s why a lot of people recommend negotiating a ‘pay for delete’ when you pay off an old…

It has a lot to do with the issuer. I have some cards I barely spend anything on that routinely give me huge CLIs, and others that I make a point of using and paying off that never raise my limit.

It never really ends, and after they beat the Big Baddie, here comes an even Bigger Baddie, wash, rinse, repeat.

Amazingly, Marisa Tomei is in her 50s!

Are they somehow different from the colored lights we assumed were cool (but weren’t) back from when we shopped at Spencer’s in high school?

Are they somehow different from the colored lights we assumed were cool (but weren’t) back from when we shopped at…

HDR for viewing is different than HDR for creating. HDR TV’s make the image brighter and improve contrast.

HDR for viewing is different than HDR for creating. HDR TV’s make the image brighter and improve contrast.

The World’s End was definitely the better apocalyptic film that year.

I’ve read articles with past contestants that imply they’ve come awfully close to killing people.