I got turned down. Excuse Me? HUH? and WTF? So I went to Equifax and did the credit report thing - two reports are spotless, but Transunion has this weird item on it - it says that a closed Bank of America account on which I was an authorized user is in collections(!) for - get this - $11. This was news to me - I definitely would have remembered getting a dunning letter from a collection agency for such a laughably small sum!
I finally figured out that it must be my mother's old credit card - the report indicated me as "authorized user" and that is the only card it could be. She had made me an authorized user on it, and that came in handy when I had to furnish her assisted living apartment, etc - but after she died I called them, got the balance due, and paid off and closed the account! I never received another statement from them, let alone anything from a collection agency! And, as an authorized user, not a co-owner of the account, I am not legally responsible for that "debt" which does not exist anyway! AND, Transunion had the nursing home address and the Spring Hill house listed as MY former addresses! So, in short, they f-ed up my credit report six ways from Sunday - attributing a debt that does not exist on a card on which I was not legally responsible to me, at two incorrect addresses - even though, hello Transunion, we had two different LAST NAMES, not to mention other details like, you know, wildly different dates of birth and Social Security #s. And that stupid little $11 report for a debt that does not exist on a card that was not mine got me turned down for credit. While that is hugely annoying, it is good that it came to light now, because according to the credit bureau, that little gem will remain on my credit report until 2015 if I don't get it removed.
So I called B of A to try to straighten it out, and the guy I talked to was very nice but said that he couldn't fix it, because according to their records, I had NO debt with them and they had reported nothing. So I had to challenge it with Transunion, and did so. It was fixed by 9 a.m. the next day, so lets have a half-hearted round of applause for TransUnion, because they never should have done it in the first place.
And yet the company making the offer on the Apple.com site still says I am a deadbeat bum, over an $11 debt that does not exist and would not be mine if it did, and I am still squinting at the MacBook screen. Yes, I could just buy the damn thing, but I don't want to spend my own money. I want to use the OPM I have EARNED by having really excellent credit, dammit! I guess the moral of this story is that even if you do everything right a credit bureau can still do you wrong, and even if you fix it, other idiot databases remember. Also a cautionary tale for how VERY LOW the bar of deadbeat has fallen in the last couple of years! I mean, seriously? $11, on an account on which I was only an "authorized user" got me turned down? Yes, the credit market is cowering in a corner sucking its thumb and crying for its Mama these days.
And, on that note - guess What? As of around noon today, the Spring Hill house is under contract! The price is disappointing, but it's a reportedly solid buyer and I'll take it, considering the market, and they want a very fast closing, and I said they could have it as fast as they want it. So I may be making my last trek across the state this weekend. Fingers crossed that this guy really does have a mortgage lined up and this will fly. I am not counting my sold houses before the check clears. We will know by April 2, if not sooner.
Work is gooder. Not fabulously good, but not so sucky. It appears that I will have a job for at least a while longer. So I am going to live it up - replace the broken down living room furniture, get new contacts if I can, or glasses if I can't (even with insurance, with my vision issues we are talking $700 here) and yes, I am getting me a badass iMac desktop, and later, a new desk to put it on. Because after all the crap I've been through in the last
And I have a reservation for MDS&W. The Queen and I and two of her friends are planning to be there. Shhhh...don't jinx it. I'll let you know when Baby is packed and it's on for real....