Well a lot has happened since the last time I wrote, holidays and all that. However, keeping with the theme of the last post I thought I'd relate this story about why you should keep track of your credit.
A few months ago some hospital in Lansing, MI sent me a bill for $341 for radiology. I called them and told them it wasn't me , and they said " Oh right, sorry." Then they sent me ANOTHER bill, to which I called them again and said, "Hey this isn't me!" to which they said "Oh right sorry again." Now the bill has shown up as a collection on my credit report! Luckily, I pay equifax to monitor my credit, since my SSN has been stolen 3 times now, all due to thefts of data. So I knew right away that it had been reported. Of course, there was very little information on my credit report as to who the debt was from, it has a partial name, an incorrect phone number, and an address for the collections agency.
Using the magic of google, I was able to match the partial name and address with the actual phone number of the collections agency and called them.
They were completely stumped as to how it got reported on my credit. The have my name and address, but another Ryan Moore's phone number, SSN, and Date of Birth. In fact the collections file had 3 notes in it saying that the bill WAS NOT MINE, and that I had called the hospital twice already to explain that.
So they are "correcting" it, but again you should watch your credit.
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