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So, we're working on refinancing the house and some related monetary stuff. In that process is involved credit reports. I did one about a month ago, and didn't see anything outstanding.
Well, the bank mailed us a copy of the full report that they get, and there's this weird little $62 thing on there from some credit agency that handles Seattle Municipal Court.
Que?
So I call up the agency, and they tell me it's an outstanding parking violation. Okay. From 1998. O_o. Okay. From a car we haven't owned since then, from in front of the house we used to live in then.
Oooookay.
I've been getting credit reports regularly (at least once a year) for years, and I've never seen this item before. Apparently it went to collections in April of last year (!) I've never gotten collection notices about it, and don't even remember the original violation. (What kind of violation can you get from parking in front of your own house on an un-metered, un-regulated street?)
Anyway, it's going to get paid up of course, and the agency is sending me over a copy of the ticket, since I have no idea what it's about. And I'm probably going to contact the credit reporter (Experian, apparently. The other two don't report it) to see if I can get the item removed, since I had no idea it even existed.
Our credit has a few old blemishes on it from back when we were scraping by and from some old weird tax stuff of mine (that should go away in a little over a year) but everything else for the last five+ years has been clean clean clean, except one 30 day late payment on a credit card (the envelope with the check fell under my car seat and therefore didn't get mailed) so therefore, this little item, small as it is, annoys me to no end.
On the good side, we're getting a/c installed as I type. So August should actually be livable, for once. Yay.
Well, the bank mailed us a copy of the full report that they get, and there's this weird little $62 thing on there from some credit agency that handles Seattle Municipal Court.
Que?
So I call up the agency, and they tell me it's an outstanding parking violation. Okay. From 1998. O_o. Okay. From a car we haven't owned since then, from in front of the house we used to live in then.
Oooookay.
I've been getting credit reports regularly (at least once a year) for years, and I've never seen this item before. Apparently it went to collections in April of last year (!) I've never gotten collection notices about it, and don't even remember the original violation. (What kind of violation can you get from parking in front of your own house on an un-metered, un-regulated street?)
Anyway, it's going to get paid up of course, and the agency is sending me over a copy of the ticket, since I have no idea what it's about. And I'm probably going to contact the credit reporter (Experian, apparently. The other two don't report it) to see if I can get the item removed, since I had no idea it even existed.
Our credit has a few old blemishes on it from back when we were scraping by and from some old weird tax stuff of mine (that should go away in a little over a year) but everything else for the last five+ years has been clean clean clean, except one 30 day late payment on a credit card (the envelope with the check fell under my car seat and therefore didn't get mailed) so therefore, this little item, small as it is, annoys me to no end.
On the good side, we're getting a/c installed as I type. So August should actually be livable, for once. Yay.
