#credit check

[bitchesgetriches]

hi bitches! i was reading over my credit report recently and noticed that when my student loans changed servicers, something got weird. instead of the name on the account changing, it looks like it was added as a new account! now my report says i have double the amount of debt. is this just an error or something i should dispute? is this going to majorly affect my credit score?

RED ALERT!!!

Honey, we are SO proud of you for reviewing your credit report for this sort of chaos and shitfuckery. You're doing the lord's work!

Short answer is "all of the above." This IS an error, it IS something you should dispute, and it WILL affect your credit score. For the long answer, read these articles I wrote on how credit reports work and what to do if you find a weird mistake like this:

How To Fix an Error on Your Credit Report Without Losing Your Damn Mind 

Credit Scoring Is a Racist, Classist System that Has Us All Trapped

Ask the Bitches: What's the Difference Between Credit Checks and Credit Monitoring? 

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[gahdamnit]

That’s the beauty of the sandwich-naming dice, if you don’t like it, you just roll again.

[generalelectionmusings]

Revealed: online covid tests refused to those not on credit check database

Disadvantaged groups may be excluded from the government's online coronavirus test and trace system because it requires a credit reference d

[shittyshitposts]

[hasanbiryldz]

[yournewapartment]

Hello! I’m currently finishing my first year of college and I want to get my first apartment with 3 people. (One is in the navy reserves if that helps anything ) and the bad part is none of us have any credit. Is there a way we can still get a place and how should we go about it. We all have jobs and should be making over 4000 a month all together I believe.

Do all landlords do credit checks??? I’ve never experienced this. What they do sometimes require is proof-of-income. You may need to show your most recent paystubs or something. Or, you may need a guarantor that makes a certain amount times the monthly rent.

Good luck!– Mimi

[lifehacksthatwork]

Best financial hack ever