Paul G. Allen wrote:
On Mon, 2007-03-26 at 10:51 -0700, Stewart Stremler wrote:
Did you get a lawyer involved?
No, at least not yet. The Wells Fargo thing has never been a big enough
issue to bother with the hassle of a lawyer. I did charge at least $500
on the card, so they are entitled to that money. If it comes to the
point where they want me to pay $500 plus a boatload of interest plus an
over-limit amount and fee (tell me how a *secure* card is allowed to go
over the limit?), then it may be worth getting a lawyer. In fact, I
haven't heard from them in so long it may have been fixed or it's just
expired and gone away.
As for Target, they have not yet been a large enough PITA. They are
getting there though. (NOTE: They tried the same thing with my wife, and
we nipped that in the bud.) Probably the next time they call and I talk
to them I'll threaten them with a lawsuit, which 99% of the time I have
done such thing has stopped the harassment and made the offender fix
their screw-up.
(Hmmmm... "99%" if rounded to be such would suggest 98.5% which would
further suggest that PGA has threatened a lawsuit at least 67 times and
got what he wanted 66 times.)
Impressive!
There are other things on my credit rating that give me a poor report,
so fixing these two would be inconsequential at this point (unless I
fixed them all).
Bad marks that are old *could* hurt you more if removed. If your only
old accounts are bad ones, you may want to consider leaving them. New
accounts (even if good) can negatively affect your score more than
removing old bad ones, especially if the new account is less than 6
months old.
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