A weekly thread to discuss financial matters - from personal all the way up to global.
Ground Rules
- Remember that we're all just Internet randos. Don't bet your life savings on a hot tip from this thread.
- Keep culture war in the culture war thread. Yes, global events may impact our personal finances, but that does not mean we have to incessantly harp on culture war aspects here. If you are going to discuss it, please stick to the practical impacts of it on an individual level.
- Be kind. Remember that everyone here comes from different circumstances. We all have different resources available and different risk tolerances.
- Don't let the perfect be the enemy of the good. Better is better. Celebrate people when they take a step up and work to move their finances in the right direction. Don't flame out because they haven't followed what you consider the optimal path. Everybody has to start somewhere.
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Notes -
Not all financial companies report to all agencies, though usually big companies do, but if it's a niche card I guess it's possible TU does not know about it. 57 point hit due to one card is a lot though... That sucks, but if the system indeed screwed up and they didn't get the report, I am not sure you can do much about it except keeping paying your bills and the score will go up in time. Usually actively used card is reported to the agencies each month at least, so if was an one-time mess up, it will show up. If it's something deeper, likely nobody allowed to speak to customers knows how to fix it anyway, or cares enough to find how to contact somebody who does, so I'm not sure you have a lot of options here. If it really hurts you, you may try to ask whoever is pulling your credit to use a different agency, depending on how much they want your business they may be more or less flexible on that.
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