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...you can't fix stupid.
Customer calls in. Wants to know how she can lower her percentage of her credit limits used....which as I look into her report turns out to be 170-some percent.
Due to maxing out everything, then having late fees etc. tacked on top.
Plus she has her mortgage in foreclosure, 4 credit cards in collections, and the rest of her accounts are on their way to join 'em.
Whilst I am goggling in shock at this, she asks, "How do I lower the percentage on this?"
Cue me thinking, "Try paying your bills, ya numpty!"
Cue me *saying* "Ma'am, you might begin by making settlements for these collections, then paying down some of these other accounts...."
Cue custy saying " Also some of these are due to fall off anyway! Can I maybe start disputing those?"
Sure, let me help you with that by sending you to disputes. And I hope you buy a clue with some of the money you never spend on bills.
Customer calls in. Wants to know how she can lower her percentage of her credit limits used....which as I look into her report turns out to be 170-some percent.
Due to maxing out everything, then having late fees etc. tacked on top.
Plus she has her mortgage in foreclosure, 4 credit cards in collections, and the rest of her accounts are on their way to join 'em.
Whilst I am goggling in shock at this, she asks, "How do I lower the percentage on this?"
Cue me thinking, "Try paying your bills, ya numpty!"
Cue me *saying* "Ma'am, you might begin by making settlements for these collections, then paying down some of these other accounts...."
Cue custy saying " Also some of these are due to fall off anyway! Can I maybe start disputing those?"
Sure, let me help you with that by sending you to disputes. And I hope you buy a clue with some of the money you never spend on bills.
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