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Credit Recap. Wintermass
Dec. 10th, 2009 02:12 amLet's Review: I've never had a credit card. Never needed one, so I never bothered.
I have two student loan accounts, with the US Federal Government, both deferred, in good standing.
I have never defaulted on a loan.
I have never been excessively late on a bill.
Almost exactly one year ago, I attempted to rent a car, and I was denied, due to a problem of some indeterminate nature, on my credit report. I obtained an Equifax report, and found Nothing out of the ordinary. Loans, deferrment, etc, that's IT. But, fine, whatever; the shit is what it is.
This year, so that we might rent a car to make the trek to the frozen north, for Wintermass, I decide that I will obtain a credit card, so that I can more easily rent said car. Except not. Declined for a card, told to check my credit report and see what's what.
So. I checked with AnnualCreditReport.com, a genuinely free service offering checks of three separate credit collators (Experian, Equifax, and one other one I can't remember), and I find... Nothing. Two reports full of nothing out of the ordinary, except a mistaken address, and phone number, which I corrected. No flags, no potential problems; just loans, in good standing. But no Credit Score, either.
So I go to FreeCreditReport.com, which is Not, in fact Genuinely Free, as they require a credit card, and if I don't cancel my "Membership," in nine days (NOTE TO SELF), they start charging me $14.95 a month. Anyway. Nothing Out Of The Ordinary. Oh, and they can't generate a score because I don't have enough of a credit history to do so.
Now, I know what you're thinking: "There's your answer, Fish-Bulb. You can't rent a car, because your credit history is too small." Except I've rented a car before. Three times. In my own fucking name, AND co-signed with others. PLUS, this wouldn't explain, at all, why I couldn't get a fucking Credit Card.
WHAT THE FUCK.
Wintermass is never easy. The walls of reality are thin, and so is patience. I asked for 65F degree temperatures, last night, and we got them, today, out of nowhere, through heavy storms that kept me up most of the night, reducing my projected 5.5 hours of sleep to approximately Four. My own fault, really, and I accept that. But when I ask for the ease of transport up north and the monetary security to make it happen, where the fuck is that? Where, I ask you, is that?
I would like several hundred thousand dollars, US (let's call it $455,698.86), through legal means, without anyone having to die, allocated to me, for my work and my general use, and I would like to have that by tomorrow.
Thank you.
I have two student loan accounts, with the US Federal Government, both deferred, in good standing.
I have never defaulted on a loan.
I have never been excessively late on a bill.
Almost exactly one year ago, I attempted to rent a car, and I was denied, due to a problem of some indeterminate nature, on my credit report. I obtained an Equifax report, and found Nothing out of the ordinary. Loans, deferrment, etc, that's IT. But, fine, whatever; the shit is what it is.
This year, so that we might rent a car to make the trek to the frozen north, for Wintermass, I decide that I will obtain a credit card, so that I can more easily rent said car. Except not. Declined for a card, told to check my credit report and see what's what.
So. I checked with AnnualCreditReport.com, a genuinely free service offering checks of three separate credit collators (Experian, Equifax, and one other one I can't remember), and I find... Nothing. Two reports full of nothing out of the ordinary, except a mistaken address, and phone number, which I corrected. No flags, no potential problems; just loans, in good standing. But no Credit Score, either.
So I go to FreeCreditReport.com, which is Not, in fact Genuinely Free, as they require a credit card, and if I don't cancel my "Membership," in nine days (NOTE TO SELF), they start charging me $14.95 a month. Anyway. Nothing Out Of The Ordinary. Oh, and they can't generate a score because I don't have enough of a credit history to do so.
Now, I know what you're thinking: "There's your answer, Fish-Bulb. You can't rent a car, because your credit history is too small." Except I've rented a car before. Three times. In my own fucking name, AND co-signed with others. PLUS, this wouldn't explain, at all, why I couldn't get a fucking Credit Card.
WHAT THE FUCK.
Wintermass is never easy. The walls of reality are thin, and so is patience. I asked for 65F degree temperatures, last night, and we got them, today, out of nowhere, through heavy storms that kept me up most of the night, reducing my projected 5.5 hours of sleep to approximately Four. My own fault, really, and I accept that. But when I ask for the ease of transport up north and the monetary security to make it happen, where the fuck is that? Where, I ask you, is that?
I would like several hundred thousand dollars, US (let's call it $455,698.86), through legal means, without anyone having to die, allocated to me, for my work and my general use, and I would like to have that by tomorrow.
Thank you.
