As the years have gone by, I’ve become a lot more savvy on how to play the credit system after getting screwed by the machine.

At the time, I had no idea what to do. I assumed I just contact all 3 bureaus, they square it away, and end of story. HAH!!

The system makes money FROM us by selling our information, correct or incorrect, whether we like it or not. You can’t opt out. You’re in there and as we saw recently, if your info gets stolen, oh well! If it’s incorrect, oh well. YOU fix it through a klugey process. I love how the bureaus take info from lenders as…

When I left Comcast for Fios, I turned in my equipment. Comcast notified the credit bureaus and then put me in collections BEFORE contacting me. I figured it by getting the info from a credit bureau. Called Comcast but they already “sold” me to a collection agency. Turns out they wanted $100 for the cable modem I…

If you have time to read my long winded story, its amusing and is a rare case where the little guy won and gave a big middle finger to the car dealer.