So I had my credit Union run a credit report last week. I was trying to get pre-approved for a auto loan.
Loan denied because of some stupid credit card I opened when I was 23-24? it was a 300 dollar credit card. Well, I was young and stupid and never paid them back.
Well my credit report shows that I owe them 3000 dollars!
Holy moses!
I just don't get it. I have live in the same place for the past 5-6 years. I have not recieve one letter about this issue. I don't think I am hard to find. I have been employed consistently for the past 3 years. Paid my taxes.
Now I have to call them today. People have said that they will reduce the amount. But by how much? What is reasonable?
Anyway have suggestions? I need to try to get them low enough so I can pay it in full today. I was thinking offering them 600 dollars. It that reasonable?
Loan denied because of some stupid credit card I opened when I was 23-24? it was a 300 dollar credit card. Well, I was young and stupid and never paid them back.
Well my credit report shows that I owe them 3000 dollars!
I just don't get it. I have live in the same place for the past 5-6 years. I have not recieve one letter about this issue. I don't think I am hard to find. I have been employed consistently for the past 3 years. Paid my taxes.
Now I have to call them today. People have said that they will reduce the amount. But by how much? What is reasonable?
Anyway have suggestions? I need to try to get them low enough so I can pay it in full today. I was thinking offering them 600 dollars. It that reasonable?