Confidence is Key
U/sointex: “In high school we had our ‘huge’ junior term paper…Our teacher absolutely required that we have…like 100 note cards all with individual quotes on them…So when the note card deadline came up…almost no one had all the note cards. But one kid in class had made zero note cards. The night before he just made up a ton of quotes…Teacher…pulls out his box from the pile in the front of the whole class, flips to a random card, and reads the quote…
It was something like: ‘We are the Molemen, we must make it over that hill. We are the greatest warriors to ever live.’ – General Mole (1942). Teacher raises an eyebrow, ‘General Mole,’ Jonathan?…without skipping a beat kid replies: ‘Yeah! You mean…you don’t know who General Mole is? One of the greatest French generals in World War 2?’ And she’s like ‘Oh,’ puts the card back in the box…”
Complain Your Way
U/unclechett: “I got a negative removed from my credit report. Once you have a negative on your report it stays on for 7 years (there are exceptions). Write a letter to all 3 agencies telling them that the negative is a mistake and that by law they must investigate it and provide proof of their investigation within 30 days. The agencies don’t have the resources to investigate each claim, so they often just remove it.
When I wrote my letters the first two agencies removed the negative the first time, the other agency did the investigation and responded saying that it was in fact accurate. I sent the same letter a month later and they dropped it that time. You should use old fashioned snail mail as it is more difficult to process that way. Worked like a charm and now I have a perfect credit history!”