#credit check finances

[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? 

Did we just help you out? Join our Patreon!

[prozach27]

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[15mfinance]

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[the-lonelybarricade]

Sending love letters (pages long fic reviews) and gifts (tumblr horse friend) to my lover across the sea (@separatist-apologist) in the hopes that she'll leave her husband and run away with me to Scotland 😩

[roseband]

yeah i got into a huge fight with my fiance yesterday

but like at this point i got him to agree that if this shit with his mother continues about the money and that shithole apartment we're uninviting her from our wedding

im not letting some psycho fester thoughts that include, "my daughter in law will hand me $5k a month, live in an illegal basement studio next to a boiler with my son (that i scammed him into putting two years savings into before seeing the unit while lying it was a two bedroom), push out babies for me to make all decisions about and coo over while she does all work, while i live upstairs and get served by her the same way she took care of her mom (while she had cancer and im completely healthy and eight years younger) cause that's what i deserve as a mother of a son even though i did none of this cause ive never had my own job so i couldn't give money and lived halfway around the world from my in-laws so i couldn't serve them"

while she lies about it being cHiNeSe CuLtUrE as her reasoning (even though we live in NYC) thinking she can get away with it.....even though most of me and my fiances mutual friends are Chinese cause we went to a school together that was like nearly 50% Chinese.........i fucking offered all the actual cultural things for the wedding too, tea ceremony, food, attire (using plastic for chuppah glass to not have a broken glass at a wedding). things that are literally faux pas in Judaism and this useless woman goes, "no I ONLY WANT THE MONEY" while lying to relatives that she paid the fucking dowry and my mom's "stealing from her" by not giving her reimbursement gifts........but in actuality, and with literal fucking receipts that I'm not afraid to air out to his relatives, she's actively trying to steal tens of thousands from my relatives and my mom???????????? she's also been telling people im stealing MY OWN SALARY from her..... psychotic broad

like we're cutting it off now....im not putting up with it at all in marriage especially at this point when im the fucking higher earner (which has honestly gone back and forth our whole relationship that's no biggie in normal circumstances (cuz both of us are in careers that have similar wages at all levels and a similar cap) but when this psychopath wants to steal our money oh hell it is)

and next time she says "i deserve as mother of son" im calling her a useless cum-hole who does less work than a fucking actual prostitute, because the only difference between her and my mother (other than my mother's lack of like... medically neglecting her kid with a disability to the point that im nearly fully functional and his brothers like....not), is the cum.....she had no choice in which cum formed a child, so she gets NOTHING from me

im done with this lying useless thieving piece of disrespectful sexist useless garbage

[covington-shenanigans]

disclaimer: I am not a financial advisor or an attorney, always check this shit with someone who knows more than I do

BUT

honestly do not even talk to those fucks on the phone. don't talk to them. don't acknowledge the debt. don't give them anything. you do not have to pay off dead people's debts.

there are some exceptions, usually medical debt, but it depends on where you live, etc. as I understand it, when a person dies with debt, most of that gets taken out of the estate (the assets the person left behind). if they die with more debt than assets, they are "inestate" and basically debtors either get what they can out of the estate (not from some random relative) or they're shit out of luck.

again, this very much varies by your state, so check with someone who knows what they're doing and has expertise in your state. HOWEVER, it's pretty much universal that credit card companies in particular can go fuck themselves.

my wife had a few grand in credit card debt when she died and her credit card company did indeed call me for a while after I notified them of her death, presumably trying to get me to pay off her card. I wouldn't know because I never picked up the fucking phone and never responded to their vague voicemails. they don't call any more.

DO NOT GIVE THEM AN INCH. you DO NOT have to pay off dead people's debts.

[bitchesgetriches]

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

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[theabstruseone]

I slept in and just woke up, so here's what I've been able to figure out while sipping coffee:

Twitter has officially rebranded to X just a day or two after the move was announced.

The official branding is that a tweet is now called "an X", for which there are too many jokes to make.

The official account is still @twitter because someone else owns @X and they didn't reclaim the username first.

The logo is 𝕏 which is the Unicode character Unicode U+1D54F so the logo cannot be copyrighted and it is highly likely that it cannot be protected as a trademark.

Outside the visual logo, the trademark for the use of the name "X" in social media is held by Meta/Facebook, while the trademark for "X" in finance/commerce is owned by Microsoft.

The rebranding has been stopped in Japan as the term "X Japan" is trademarked by the band X JAPAN.

Elon had workers taking down the "Twitter" name from the side of the building. He did not have any permits to do this. The building owner called the cops who stopped the crew midway through so the sign just says "er".

He still plans to call his streaming and media hosting branch of the company as "Xvideo". Nobody tell him.

This man wants you to give him control over all of your financial information.

Edit to add further developments:

Yes, this is all real. Check the notes and people have pictures. I understand the skepticism because it feels like a joke, but to the best of my knowledge, everything in the above is accurate.

Microsoft also owns the trademark on X for chatting and gaming because, y'know, X-box.

The logo came from a random podcaster who tweeted it at Musk.

The act of sending a tweet is now known as "Xeet". They even added a guide for how to Xeet.

The branding change is inconsistent. Some icons have changed, some have not, and the words "tweet" and "Twitter" are still all over the place on the site.

TweetDeck is currently unaffected and I hope it's because they forgot that it exists again. The complete negligence toward that tool and just leaving it the hell alone is the only thing that makes the site usable (and some of us are stuck on there for work).

This is likely because Musk was forced out of PayPal due to a failed credit line project and because he wanted to rename the site to "X-Paypal" and eventually just to "X".

This became a big deal behind the scenes as Musk paid over $1 million for the domain X.com and wanted to rebrand the company that already had the brand awareness people were using it as a verb to "pay online" (as in "I'll paypal you the money")

X.com is not currently owned by Musk. It is held by a domain registrar (I believe GoDaddy but I'm not entirely sure). Meaning as long as he's hung onto this idea of making X Corp a thing, he couldn't be arsed to pay the $15/year domain renewal.

Bloomberg estimates the rebranding wiped between $4 to $20 billion from the valuation of Twitter due to the loss of brand awareness.

The company was already worth less than half of the $44 billion Musk paid for it in the first place, meaning this may end up a worse deal than when Yahoo bought Tumblr.

One estimation (though this is with a grain of salt) said that Twitter is three months from defaulting on its loans taken out to buy the site. Those loans were secured with Tesla stock. Meaning the bank will seize that stock and, since it won't be enough to pay the debt (since it's worth around 50-75% of what it was at the time of the loan), they can start seizing personal assets of Elon Musk including the Twitter company itself and his interest in SpaceX.

Sesame Street's official accounts mocked the rebranding.

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[15mfinance]

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[platinumlendingltd]

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